athwart the past 20 years, I by wh...

athwart the past 20 years, I by what mode much has changed in the way carriers exchange and market group life and disability? Has the sales proces become les relationship driven? Are carriers any les unable to exist without on their best reps and brokers? Do the sales objectives laid public by insurers in 2004 expect dramatically different from those in 1994 or flat 1984?

Other than the use of technology, little has changed in the way in the greatest degree distribution organizations market and exchange group insurance. Carriers are still struggling to find the guide to differentiation and wondering if profit and produce can ever be sustained