Cyberbullying has increased at a troubling rate over the past 18 months and hate speech among children and adolescents has increased by 70% since March 2020. (Photo: Bigstock) Cyberbullying has increased at a troubling rate over the past 18 months, and hate speech among children and adolescents has increased by 70% since March 2020. (Photo: Bigstock)

As a consumer's life changes, there are many obvious triggers for insurance evaluations — like buying a home or a new vehicle. It's the more unknown risks that arise as new technologies emerge or as children grow up that create opportuniti es for independent agents to have regular conversations with customers on evolving insurance needs.

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