As the song says, “It's the most wonderful time of the year!”

No, not the holidays, but the end of year for insurance agents everywhere! Yes, visions of sugar plums may well dance in the heads of youngsters, but for agents, those “visions” are more likely to be fevered phantasms of upcoming renewals, with any dancing focused on how to explain “hard market” pricing and underwriting to “soft market”-raised clients.

Now is the perfect time of year to be thinking of that ideal present to restore joy to your favorite insurance person after a renewal season that will leave many on the burned-out edge of declaring, “Insurance? Bah, humbug!”

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