If the numerous PIP bills in the pipeline for 2012 are not enough to get peoples engines running, there are several other driving-related bills that are guaranteed to stir things up.

As the current sales force ages and fewer young people enter the life insurance field, the number of families needing professional life services is increasing. This creates a perfect storm of opportunity for property & casualty agencies eager to cross-market.

As we have become a more eco-friendly societyfocusing on ways to protect and preserve our environmentthe market for environmental risk coverages has emerged as one of the clear growth areas of the insurance industry. Go Green!

Social media usage has risen in all age groups, and the large swaths of information posted by individuals reflect preferences, lifestyles, habits, and, in some cases, neuroses. Insurers can use this mounting social data to create a real-time risk profile while shaping more effective claims and underwriting operations.