As banks weigh options for entering the insurance business, more and more are likely to take the aggressive step of buying an agency, an industry consultant said.

While some banks are starting agencies from scratch or entering into joint ventures with insurance agents, purchases are "the route we think most banks are going to follow," said Ron Summerville, managing director of Bankers Insurance Center in Washington. The reason: Acquisitions give banks swift entry into insurance sales, an established book of business, and instant expertise.

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