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To: Stephen Adnan who wrote (2364)	12/14/1998 12:45:00 PM
From: Robert Rose	Respond to of 27722

Thanks for the great post, Stephen. With other good posts from Annette, Lynn, Dragonpawn, etc., this thread is beginning to shape up. Makes lurking worthwhile! <g>

To: Stephen Adnan who wrote (2364)	12/14/1998 9:09:00 PM
From: Kelvin Taylor	Respond to of 27722

Stephen, In response to your post: a prime example of an insurance company going direct to consumers is GEICO. They sell insurance for less because they don't hire a pleura of agents to sit in offices all over the country and sell premiums. The direct sales of policies saves time, cuts on labor expenses and rental fees from offices buildings plus you can reach them 24 hours, a day not just 9-5 Monday through Friday. As internet connections become faster with the spread of ADSL and the entrance of cable modems which will allow speeds many times faster than 56k modems, online transactions including shopping will become common place. There will be winners and losers. Those companies that provide a niche will be most likely to succeed. The future is bright and just getting started. Kelvin