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The risks, trends and insights to keep top-of-mind in the new year.

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The independent agency channel is evolving more rapidly than ever before. (Photo: Shutterstock)

When I walked into my first insurance carrier meeting ten years ago, you would have thought I was in the wrong place. The average age of the other participants was at least 20 years older myself. Now, when I go to a carrier event or conference, I’m the one with a little grey in his hair, and there are droves of mid-to-late 20-year-olds all over the place. Where were all these people ten years ago? 

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