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While acknowledging that making long-term predictions in the face of technological innovation is “difficult,” BofA notes that Facebook/Meta and Google/Alphabet did not replace print advertising overnight but that over 20 years, consumer behavior changed to dramatically shrink the print ads market. “We are not arguing that insurance intermediaries will disappear or that Coca-Cola will buy its insurance from a chatbot,” BofA said, but it urged investors to look closely at this sector, as insurance distributor stocks do not seem to be discounting the risks.