Those making dire prognostications about agents four decades ago appear to have underestimated the staying power and resiliency of some of the insurance industry's most entrepreneurial players. Their story became one of adaptation rather than extinction as agents retooled their infrastructure and personnel. (Bigstock) Those making dire prognostications about agents four decades ago appear to have underestimated the staying power and resiliency of some of the insurance industry's most entrepreneurial players. Their story became one of adaptation rather than extinction as agents retooled their infrastructure and personnel. (Bigstock)

My insurance career began 40 years ago when I was hired as the independent-agent beat reporter for National Underwriter magazine. While so much has changed since then, the desire of so many consumers to have a professional advisor help them manage their risks, navigate the esoteric world of insurance policy terms, and settle claims has surprisingly not changed much at all.

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