Rethinking US life insurance distribution

Slow growth in the US life insurance industry has been a persistent challenge for years. More recently, changes in customer behavior are making this challenge even more complex. But these behavioral shifts may also hold the key to revitalizing growth through new approaches to distribution. A portfolio of three distinct distribution models, which jointly address the range of consumer needs—from tech-enabled face-to-face advice to remote channels—can set the stage for life insurers to grow and develop stronger ties to their customers.