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While nearly 3 of out 4 Americans are concerned about generational differences in work cultures, a new study finds that the figure is much higher in the independent agency system.

For an insurance agency, executing an internal perpetuation plan can be tricky enough. But when unfortunate circumstances force the plan to be completed on an accelerated timeline, the challenges mount.

Becoming an insurance agent can be a life-changing event for some, especially when the opportunity turns into a calling. The following six producers may have come into the business for different reasons, but theyre each staying in the industry for the same: to improve the lives of others.

Independent agency carriers and their producers can only make a formidable team and stave off disintermediation if they work together to retain the loyalty of those who keep them both in businesstheir clients.

Independent agency carriers and their producers can only make a formidable team and stave off disintermediation if they work together to retain the loyalty of those who keep them both in businesstheir clients.

Consultants warn about preparing for perpetuation, advise on social media and extol the virtues of hiring new talent.

External pressure from government, legislation the economy and a killer storm. Internal pressure to stay profitable, no matter whats going on outside. Independent agents and brokers are being squeezed from all sizes, and need more help than ever from the trade associations that represent them.

Owner's varied insurance career molds agency's recruitment, retention strategies.