Agents and brokers who deal primarily in P&C coverage, particularly independents, have long sought to expand their books by branching out into new areas, with some venturing into the realm of Employee Benefits and other Life & Health lines.

While P&C agents with experience in selling Life insurance say the exam for obtaining a license to sell Life policies is not as intensive as the test to obtain a P&C license, they'll also admit that selling Life insurance is hardly as simple as finding a quote and issuing a policy.

So those agencies looking to break into writing Life & Health business would do well to bring on a dedicated expert to handle those sales.

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