Talk about rapid change: Just four years ago only 8 percent of independent insurance agents used the Internet. Today, that number has skyrocketed to 93 percent. E-mail is the most popular application (97 percent), followed by locating business information (75 percent), marketing information (53 percent), and retrieving carrier client materials (50 percent). These statistics come from the recently released 2000 Agency Universe Study conducted by Future One, a cooperative effort of the Independ

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