The year ahead will see the continuation of the consolidationtrend we’re seeing across the insurance industry--not just ofhuge health insurance carriers merging into a fewmegaliths, but of agencies combining to form something moreakin to a professional service firms, with a range of specialtiesunder one roof.

These new combined agencies will have to be able to service notonly employee benefits and group insurance, or retirement andfinancial plans with life insurance and annuities, or P&C, orbusiness insurance--they’re going to have to do it all.

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