For decades, the broker-carrier partnership has been the backbone of insurance distribution. But as embedded insurance, digital MGAs, and direct-to-consumer platforms gain traction, many are asking: Are brokers still indispensable, or are they becoming relics of a pre-digital era? In this high-stakes debate, leading brokers and digital-first innovators go head-to-head on the future of insurance distribution. Will technology empower brokers to provide even greater value through data-driven insights and advisory services? Or are we moving toward a world where tech platforms and AI-driven underwriting make brokers redundant? The future of distribution is up for debate—who’s got it right?