As insurance agents and brokers, each of us has various professional and personal responsibilities we must address every day. Responding to the risk management needs and submissions of policyholders and retail producers in a competitive environment often becomes an all-consuming task.

However, as insurance professionals, we cannot lose sight of our other, equally important responsibilities. We have an obligation to ensure the continuity of our respective enterprises and, thereby, the industry as well. New employees as well as students in university risk and insurance management programs across the country will soon be reading this magazine. Soon they'll be writing these articles, and eventually sitting in the chair in which you are currently sitting as you read this article. (Okay, maybe not so soon on that last one.)

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