Because contrary to popular (insurtech) opinion, you provide too sweet of a deal to pass up. That deal usually includes taking an active and engaged roll in your community. It also requires a serious commitment to operating as a true risk manager instead of an apples to apples order taker. However, not every insurance agent with an active license can live up to that standard. That's why it's important to weed out those agents who can't or won't deliver that experience. That's what I talked to Pat West, of Hedgequote, help understand his vision of a more streamlined shopping future. P.S. No good agents are getting replaced here.