Change is in the air in our industry. Digital solutions are meeting the 24/7 expectations of agents and their clients. Machine learning and AI tools are delivering unpredicted data insights. And carriers finally have the right tools to simplify and automate how they compensate, onboard, and maintain the compliance of their producers. This isn't technology just for technology’s sake. Industry research shows that digital-first insurers have lower expense ratios—up to 40% lower—compared to traditional insurers. That allows them to invest in their people, products, and customer and agent experience. And that translates to growth and profitability.