Across personal and commercial lines, acquisition economics are tightening. Aggregator dependency, paid media inflation, embedded competition, and broker fatigue are reshaping growth strategies. In this fireside, we examine how insurers are adapting to rising acquisition complexity. What channels are actually delivering efficient premium growth? How are carriers reducing over-reliance on paid distribution? And where is technology shifting the balance between volume and profitability? This session sets a direct, commercial tone for the stage  focused on growth reality, not theory.