MORE THAN 35 YEARS AGO,the insurance industry embarked on an intensive program to solve the problem of costly,wasteful turnover among its agents.Estimates at that time indicated that there was a turnover of better than 50% within the first year and almost 80% within the first three years.After the expenditure of millions of dollars and 35 years of research,the turnover in the insurance industry remains approximately 50% within the first year and 80% within the first three years.
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