Insurance agents had many fires to extinguish in 2013. Along with long-standing challenges such as competing with direct writers, recruiting top talent and staying ahead of the tech curve, agents also had to grapple with healthcare reform (as both employer and client advisor), carrier price and underwriting changes, and maximizing their uses of social media.

These setbacks can become opportunities for growth in 2014. Here, industry experts weigh in on these challenges and detail how agents can capitalize.

1. Challenge:

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