41. Connect with the Hispanic market.

42. Know what an employer wants from you as a broker. Zywave's 2013 Broker Services Survey found a disconnect between what employers expect from their brokers and what brokers are delivering. They addressed the top challenges faced by employers that brokers should help with. They are: Managing health care costs; keeping in compliance and up to date on changing legislation, including health care reform; benefits administration and employee benefits education; keeping up to date on regulatory changes; controlling workers' compensation costs; and managing exposures.

43. Have a good email signature with all your contact information — including links to your social media pages.

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