Digital channels may become the leading mode of insurance distribution in Brazil, with a growing share of new policies sold and managed online or via mobile apps. This potential shift could be influenced by regulatory support for digital onboarding, the rise of insurtechs, and increasing consumer demand for convenience and transparency. Traditional brokers and agents are likely to respond by offering hybrid digital-human services, while the market may gradually favour seamless, self-service digital experiences. If this trend accelerates, insurers that do not invest in robust digital platforms and data-driven personalisation could risk losing market share to more agile competitors. However, the pace and extent of digital adoption will depend on consumer preferences, regulatory developments, and the ability of incumbents to adapt.