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I read Jim Holm’s recent piece, Are Reduced Commissions the Wave of the Future?, with a mixture of confusion and dread.  At first I was confused, because it read like paid advertising for Travelers, but with ad copy full of inherent contradictions like this one:  “Even though they sell value, our member agents are typical in that they often place the insured with the company that provides the lowest quote.”  It was followed by dread when I realized that independent agents might actually view this as advice.

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