There will certainly be winners and losers along the way, it's just a matter of how long the status quo will remain.

One thing seems pretty clear, agencies that continue to invest in technology and customer experience will do most of the winning.

There is a good chance the future won’t be able to make room for agents who struggle to adapt and reinvent themselves as needed.

The biggest wild card will likely come from the independent agencies, see InsurTechs, that are unrecognizable by the traditional standard.

Chris Cline, Westfield's National Agency Distribution Leader, talks about all the adaption and reinvention he's seen recently on the front lines.