Insurance agents and brokers had many fires to extinguish in2013. Along with long-standing challenges like competing withdirect writers, recruiting top talent and staying ahead of the techcurve, they also had to grapple with healthcare reform (as bothemployer and client advisor), carrier price and underwritingchanges, and maximizing their use of social media.

These setbacks can become opportunities for growth in 2014.Here, industry experts weigh in on these challenges and detail howagents can capitalize. Read on:

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