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Property & casualty agents have seen an extended soft market, agency and carrier consolidation, a cost shift from carrier to agency, increased technology expenses, tighter contingency agreements, and an overall reduction in profit margins. 

While all of this has been taking place in the property & casualty world, the world of life insurance distribution also has been changing. The average age of the independent life agent is mid-50s, and that will continue to increase over the next decade; the industry is not enticing younger people to its ranks. However, as the independent sales force declines, the number of families needing professional life services will increase, creating a perfect storm of opportunity.

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