Are you optimistic about the future? With the turmoil in the economy hitting unprecedented levels in October, it is easy to get swept up in pessimism. After all, the stock market delivered its worst single-month performance in 21 years (since the crash of 1987), and consumer confidence suffered the steepest monthly drop ever. Certainly, we are all feeling the angst that comes from going through such a tumultuous time. Yet, for insurance agents and brokers, the news isn't all bad.

Here are five reasons for insurance producers to be optimistic, even as the economy appears to be sliding into what may be an extended recession.

o Insurance is a need, not a want.

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