If you want your incentive programs to appeal to independent agents, think younger than in the past. The demographics of individuals leading independent insurance agencies are changing, says the 2002 Agency Universe study. The study, released in October, was conducted by Future One, a collaboration of the Independent Insurance Agents & Brokers of America and 19 independent agency companies. Slightly less than one-third of all agency principals surveyed were younger than 45 years old. ...

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