Agents know that personalized service and trusted counsel — not price — have been and always will be what differentiates them from their direct-writer competition. Agents know that personalized service and trusted counsel — not price — have been and always will be what differentiates them from their direct-writer competition. (Photo: Drazen Zigic/Shutterstock)

Independent insurance agents will often tell you that their biggest enemy — and their most precious resource — is time. Many of them maintain that attracting new clients isn't a problem; the hurdle they do face is servicing the customers they already have.

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