Mixed views here according to country and market. The one underlying factor is that customers demand a "journey and user experience that matches the best they consume with Amazon, Uber and so on i.e. managed from their phone and tablet.
It should be the Insurer Carrier that leads and if they don't others will steal the market. Personal observation is that , as usual, most are waiting to see what brave first movers achieve and will then queue up with other laggards when it is too late.
The leaders will not try and replicate old processes in a new digital platform but start again with the customer and work backwards to the optimal platforms.
The fact that insurance brokers have lost some battles in some countries doesn’t mean that insurance intermediation industry as a whole is dying. Insurance intermediary sector has shown immense capability to innovate, with most insurtech innovators (think of Friendsurance, BoughtbyMany, HeyGuevara, Moneysupermarket, WorryandPiece, Simplybusiness, Knip, FinanceFox etc) starting up precisely as intermediaries, as in principle, you can do everything that insurance company does by being an intermediary, without the burden of actually being one.