Rick Gilman, APR, CMP, is executive director of the Personal Lines Growth Alliance, a virtual association dedicated to improving the competitiveness of the independent agency distribution channel within the personal lines market.

With this column, I begin the fifth year of writing for American Agent & Broker. it’s true—time flies when you’re having fun. It’s been a blast writing this column and sharing my thoughts, insights and myself with you.                                                   

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