During my 35 years in the insurance industry I have repeatedly heard independent agents say that this is typically a slow period in their business. Several agencies have gone so far as to say that they could probably close their doors for the last four-to-six weeks of the year without it having an appreciable impact on their operations.

If that's the case, this "slow time" is the perfect time for agency owners and managers to take a page out of Santa's playbook and start making a few lists of their own.

Agencies that take advantage of this downtime will find themselves well poised for a productive start to the New Year.

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