This Study explores the cultural, perceptual and pragmatic issues that divide financial institutions and insurers. This year for the first time we are exploring the role that Managing General Agent and Broker General Agent (here after MGAs) play in the distribution of insurance through Financial Institutions (FIs). This begins in Section II. As technology continues to play such an important role in the nexus of financial institutions and insurance we have added additional sections on technology innovations, integration and budgets. We also spend time in this Study reviewing customer satisfaction, program profitability and suggest ways that net interest margin can be enhanced by the sale of insurance, as well as the more traditional non- interest fee income (NII) in a financial institution.