Insurance is a very unique product. It is the only product you purchase and hope to never use. The best case with insurance is that your rates go up every year and you never even get to use it. If your Agency is not growing premium every single year, odds are you might need to re-examine one or all of these things; Retention Strategy, Marketing Plan, New Business Sales Process, Remarketing Efforts, Touch Points, Renewal Review Process and or Cross-Selling...