Insurers, brokers, MGAs, insurtechs, and even big tech companies are all vying for the same thing: direct access to the customer. But as embedded insurance, digital platforms, and new affinity partnerships gain traction, traditional distribution models are being rewritten. This panel brings together distribution leaders who are shaping the future of who sells insurance, how it’s sold, and who ultimately owns the customer relationship. Will carriers regain control through digital direct channels? Will embedded insurance make traditional distribution obsolete? And where do agents and brokers fit in? The fight for distribution dominance is on—who’s winning?