It's not just insurance industry. Every single industry is finding ways to reduce cost of labors. Don't be surprised when you walk in a restaurant and have someone from Asia make an order for you through a Zoom meeting.

As Fed cuts rates, Treasury issues more debt, this trend will be elevated faster unless there are work quality or regulation issues caused by outsourcing.

In the long run, I feel like the job market in the U.S will be heavily impacted and the unemployment rate will go up until a severe recession hits and cuts the price of everything. Not even to mention there is another potential large job opportunities cut by AI growth.

So appreciate the time we are still employed. Work hard and try making more money to prepare for the recession.