Insurance Business ReviewSEPTEMBER 20256Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorRaven Mcguire*Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEditorial StaffAaron Pierce Ava GarciaAlex D'Souza Abhinov PunnakkalJoshua ParkerSarah FernandesEditorialRaven McguireManaging Editoreditor@insurancebusinessreview.comThe insurance industry thrives on trust, clarity, and service that truly support people when they need it most. Independent insurance agencies play a vital role in this landscape by offering clients choice and flexibility. Instead of being tied to a single carrier, they draw from a range of options, tailoring coverage to meet unique needs and building lasting relationships grounded in transparency.This same commitment to personalization is reflected in car insurance services, which remain among the most essential forms of coverage. A well-designed car insurance experience does more than issue policies or settle claims. It guides drivers through their options, ensures that protection fits lifestyle and budget, and provides steady support when unexpected events occur on the road.Behind the scenes, third-party administrators strengthen this chain of service. By handling claims management, benefits administration, and other complex tasks, they make it possible for agencies and insurers to focus on people rather than paperwork. Their role ensures that promises made at the point of policy are kept with consistency and care.Together, independent agencies, car insurance providers, and administrators create an ecosystem that makes insurance more responsive, reliable, and human-centered.In this edition, we explore how independent agencies, car insurance services, and third-party administrators are reshaping insurance. They bring choice, protection, and efficiency, creating an industry that is more adaptable, reliable, and client-focused.We also present insights from expert CXOs Michele Adams, VP, Corporate Functions Finance & EDLC Walmart[NYSE: WMT] and Ruben Pinto, Executive Director of Large Loss, Allstate, who offer their opinions on the currently used business practices. We hope that the valuable insights from industry leaders and the solutions and services featured in this edition will help you make informed decisions for your business. Let us know your thoughts!Building a Client-Centered Insurance FutureVisualizersMichael WayneVictor CruzSEPTEMBER 2025, Vol 04 Issue 10 (ISSN 2837-1763) Published by ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessreview.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.com
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