Everybody knows that top-selling producers are the stars of any insurance agency. They're the rainmakers who get all the attention, and the most hotly recruited and carefully groomed members of the team — kind of like the Heisman-winning quarterback on a football team.

What about the lowly offensive lineman? While the quarterback gets credit for being the brains behind the plays, the O-line is often stereotyped as the big lugs in front.

But according to the experts, the quarterback isn't the smartest guy on the team — it's the offensive linemen.

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