Yes, I know the lifespan of the typical new year's resolution barely exceeds that of the Mediterranean fruit fly, but hope springs eternal. So in the spirit of turning over that new leaf and daring to dream that a more perfect insurance world is out there, may I suggest but a few potentially life-altering 2010 insurance resolutions?

Ride that wave

Back in my surfing days (the type involving the ocean, not the Internet), we had a saying: "There are two places to be with a wave: on it or under it." Note the lack of a "sit on the beach and watch" option. If you were going to get in the water, you needed to get with the program or let the program run over you.

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