Kyle O'Neill is president, CEO and Founder of O'Neill & Co. Insurance Group, has a lot of chutzpah. With just a little more than three years experience in the insurance business, this 28-year old actually believes he can start his own independent insurance agency from scratch with no customers, no agency/company appointments, no staff and no financing.

Guess what: After meeting with Kyle, pictured below, at his office in Palm Beach Gardens, Fla., and talking with him, I also believe he can — and will be very successful and build his agency into a large organization just the way he visualizes it. And that's because Kyle has a unique insight not only into the agency business, but also into what it will take to be successful.Kyle O'Neill is president, CEO and Founder of O'Neill & Co. Insurance Group

Kyle contacted me after reading one of my columns to introduce himself and ask for some advice from a seasoned veteran as he had just started his own agency. Within a few minutes of speaking with him, I realized that he was something special. I recognized many of the start-up issues he was facing and was immediately impressed with his planning and strategy. I was in the same situation more than five decades ago.

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