I started in this industry 13 years ago as a bright-eyed intern at my local independent insurance agency. To be honest, I didn’t know the difference between an independent agency, captive agency or direct writer. Want more honesty? I didn’t even know what a policy number was.

But I’m not embarrassed, because I was only 15 years old at the time. Now I’m a 28- year-old Gen-Yer with a unique mix of industry experience, education (a marketing degree and, in a couple months, an MBA) and youth.

Related: Read a previous exclusive from a young agent: “In staffing, all it takes is one bad apple.”

Surprisingly, the “youth” part of that mix may be the most important part. My age helps me understand the next wave of consumers–what I call the “Smartphone Generation.”

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