Digital agents have been around for many years, but they have been evolving. While lead generators and comparison quoting sites still exist, they are being supplanted by full-service agents that offer a more complete digital-first buying experience. Digital agents are steadily growing market share, and not just in mainstream personal lines, like auto and homeowners, but in commercial and specialty lines, too. Digital agents are also offering a more complete value proposition by blending digital experiences with the human touch to provide the advice and support customers need. As a result, digital agents are gaining traction with digital natives, price-conscious shoppers, and people who simply do not want to spend time dealing with insurance. As digital agents grow, they create opportunities as well as challenges for insurance carriers. In this discussion, we will explore the future of the digital agent model with some of the biggest names in the industry and will learn how they see things changing the way carriers work with agents and policyholders.