A wide range of service providers participate. Agents and third parties produce, distribute, and provide information or transaction services. These provide customers with access to a variety of suppliers and producers from multiple sources. They use some means to identify and group customers according to class, location, etc. An agent’s business model will let it add a premium as they are bringing economies of scale and provide services to the marketplace. They add efficiencies, guarantees, financing, and pull together groups to bring in discounts.

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