That just leaves too much money on the table. I'm not in this business to just barely get by. They aren't free. One must earn them. I'm also a investment advisor, and estate planner, a business planner, an elder care planner, a college funding analyst, a group insurance specialist, an asset manager, a nonqualified plan specialist, variable contracts guru, financial security evangelist, mutual fund peddler, and all around catalytic financial consultant.
Nobody wants to be a life insurance agent anymore.
That leaves the market wide open. A decade ago, they already had an agent. Today, they all have a financial advisor, planner and stock broker, but they haven't heard from a life insurance agent in 10 years. I go for the nail with my hammer, then on policy delivery, I open up the proverbial Snap-On Tools panel van and gather everything else up. Everone else is on the downhill run towards retirement, and most aren't selling much at all anymore.