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When firms merge, their agents need to learn how to sell each other's products. Increasingly complex regulations and the evolution of insurance agents into financial advisers have also whetted the industry's appetite for training. E-learning is proving to be the fastest way to furnish it. Because it can be presented and updated quickly, and presented on any personal computer equipped with a modem, it cuts the time and cost of certifying new agents and teaching recruits about company products and services. It is also ideal for bringing senior salespeople up to speed on new financial products, changing government rules and other developments.