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For an insurance agency, executing an internal perpetuation plan can be tricky enough. But when unfortunate circumstances force the plan to be completed on an accelerated timeline, the challenges mount.

Such was the case for Branford, Conn.-based V.F. McNeil Insurance, which saw its agency principal and fifth-generation owner, Paul H. Sturgess, pass away from amyotrophic lateral sclerosis (ALS, often referred to as Lou Gehrig’s Disease) before completing his plan to sell the business to Daniel McNamara, who at the time was a vice president with the agency.

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