Here are two more fears you must face if you want to remain in the industry. Be honest, do you experience any of these fears? If so how are you responding?

The cost of not addressing their insurance agency fears in a healthier manner will be the ultimate price of maybe going out of business.

If you don't take control of your business in 2016, you won't make it to 2017.

If you don't take control of your business in 2016, you won't make it to 2017.

As crazy as it sounds now, rumor has it that in 1902, the commissioner of the Patent and Trademark office recommended that the office be closed.

The role of the broker has never been more important, and your clients need you in ways they never have before, which means you have to work in ways you never have before.

The lesson for an industry facing disruption is simple: Tear apart your old model and build it back with a new one.

Many of you may think this marks the beginning of the end for Zenefits. I dont think so; the company has $500,000,000 worth of pressure to get it right.