Few people believed self-serve gas stations would succeed. Who would pump his own gas? "In the beginning, the clerks sold more Cokes than gas," says Dave Hill, CLU, senior vice president and chief marketing officer at Americo Life in Kansas City, MO. Now, he points out, it's hard to find a full-service pump in most cities. Self-serve life insurance sounds just as nutty to many people. Nonetheless, is the day coming when there won't be a full-service insurance agent on every corner? ...

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