1. I have suggested in order to avoid becoming the "family farm" of insurance agencies and remain able to compete in the new marketplace, with a new kind of consumer - you will either need to grow your agency 10 times bigger, or have tools ready to ramp-up your growth in the moment it becomes necessary.

Are you interested in learning strategies directly from agencies that are 10 times bigger than yours?

2. One such agency owner (has 150 employees and added $3 million in revenue last year) told me recently:

"Michael, we don't even look like an agency anymore. This industry has become so commoditized, if all you're doing is placing insurance, the consumer will be gone, gone, gone. Placing insurance is just a small part of what we do. Yes, we have to outperform our competitors. But we have to build relationships with the customer. And we have to constantly demonstrate superior value. The agencies who survive must change and they must change fast."

Would you like to know about how to create the kind of customer experience described above?

3. Are you concerned that you may not know how to make your customers "heart sing" as Steve Jobs put it?

4. As you know, I feel that the insurance industry is in trouble beyond the economy or hard market. The whole business model is old, frail and ripe for destructive innovation ... I find agreement in almost every circle I ask the question. With this in mind, where do you want us to focus this year? (Ideas: ACOR process, 6 Categories of Mastery, getting more leads, getting more referrals, better systems, better employee management)?

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