ReSource Pro has launched a three-part research series, The Future of Insurance, offering actionable strategies to help insurance organizations stay competitive as the industry faces a projected 400,000-job shortfall by 2035 (U.S. Bureau of Labor Statistics). The series addresses key challenges such as talent gaps, automation, and shifting distribution models.
The Future of Insurance series features three in-depth reports:
- The Future of Independent Agents and Brokers
- The True Impact of Insurtech
- Insurance in 2035
Each report offers data-backed insights and recommendations for insurance leaders facing growing operational complexity, workforce disruption, and rising customer expectations.
Report 1: The Future of Independent Agents and Brokers
How agencies are retooling for the future amid talent shortages, consolidation, and tech disruption:
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Independent agents now account for 62% of all P&C premiums.
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1 in 3 agencies plan to merge or acquire in the next two years.
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400,000 insurance jobs are expected to go unfilled by 2035.
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Employee productivity could double by 2035 with the aid of AI.
Report 2: The True Impact of Insurtech
Insurtech’s evolution from disruption to collaboration—and how it’s reshaping underwriting, claims, and distribution:
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Nearly 1 in 4 startup MGAs now bring in over $25 million in premium, and about 15%have exceeded $50 million in premium.
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Vehicle telematics adoption has grown from 10% to more than 20%.
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Most insurtech growth now comes from tools that support underwriting, claims and distribution.
Report 3: Insurance in 2035
A forward look at seismic industry shifts—from embedded insurance to agentic AI and the doubling of the E&S market:
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Cyber risk may become uninsurable.
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Real-time data, automation, and new coverage models will redefine value delivery and agentic AI will become standard across operations.
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E&S market is projected to double in size.
“The insurance industry is undergoing a structural transformation. These shifts create huge opportunities for those willing to lead, not follow,” said Mark Breading, senior partner at ReSource Pro and lead author of the reports. “This research is meant to cut through the noise and provide clear, practical guidance. Whether you’re a carrier, broker or MGA, you’ll find specific steps you can take now to improve performance, adapt to new pressures, and build a more future-ready business.”
The full Future of Insurance research series is available at the website here. All three reports are free to access and designed for insurance executives, operations leaders, and strategy teams.
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