Not a day that goes by that we don't hear news of layoffs, downsizing, bankruptcies, the stock market's downturn, and the dismal state of the housing market. With the unemployment rate at over 9.5 percent, we all know friends or family members who have lost their jobs, homes, investments, and -- in some cases -- life savings. One cannot help but wonder, "Am I next?"

The mere thought of being unemployed is stressful. The insurance industry has been faring relatively well; however, it suffered its worst first quarter in 20 years. Combine this news with the overall feeling of vulnerability and the stress of being in claims, and you have employees feeling the pressure. While claims may not be viewed as the most stressful job, I believe we can all agree that it is up there. After all, we are dealing with those who have suffered a very real loss, whether it is a family member, a home, or a car.

Although there are signs the economy is getting better, unemployment is not expected to improve until sometime in 2010, and it remains a topic of conversation wherever one goes. I believe it is the perfect time for us all to revisit what constitutes success and how to be successful. How can you make a difference to the insurance company for which you work? More than ever, now is the time to "deliver." This means delivering service that exceeds customers' expectations, and favorably impacts your company's bottom line. Remember that renewal business is much more profitable than new business. Let's take a look at what differences you can make and add value to what you do each and every day.