What I do take exception with is your advice to agents “If you’re employed today selling policies, the best you can do is keep moving forward. Your positivity ( ? ) and confidence will be rewarded tenfold once things do look up.” The fact is, it’s only going to get worse. There are estimates (floating around but they keep getting buried – I wonder why) that the industry (as a whole) is going to lose 15 to 30% of it’s overall revenue (revenue = commission income) in the next 5 years. This is the problem.

If agents don’t change they will be gone.

Buried within Health Care Reform, are 10 new audit and reporting requirements (through Payroll Processing) that are directly related to Health Insurance and Employee Benefits overall. The Human Resources Outsourcing market in the next 5 years is expected to grow by over $2 billion in new spending. We are encouraging benefits professionals to adopt HR within their agencies just as the major brokers did years ago. This will provide them with an opportunity to develop new revenue streams, to increase their client retention and most importantly, increase their “bottom line” profits.