The fact that so few young people are entering life insurance is already a concern to the industry, whose average agent is 57 years old.

Another issue, however, is that that 57-year-old is, in the great majority of cases, a man.

Only a third of new life insurance agent recruits are women, a figure that major firms are desperate to change, according to a report by Falls Church, Virginia-based GAMA International, a nonprofit association for the insurance and financial services industry.

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