The recent news that Apple CEO Steve Jobs was stepping down from his current position roiled Wall Street, the media and the business community with speculation on whether the tech giant can sustain its competitive and innovative supremacy after the transition.

You may not be Steve Jobs or your agency an Apple, but the topic raises some interesting points about what independent insurance agency principals should know to ensure a graceful exit and the subsequent survival of their businesses–whether it's a planned retirement or an unexpected personal or medical situation like Jobs faces.

We spoke with several agency management experts about the parallels between Jobs's departure and how agency principals can soften the blow for their own imminent transitions. Here are some takeaways:

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