There are lots of knowledgeable, experienced life and health agents in Georgia. However, there are many, many more unexperienced agents in the marketplace. I would venture to guess that the ratio is 1:10 at best. With our current recession and high unemployment rate, there has been a huge influx of people entering the insurance industry. There is an extremely low barrier of entry compared to other business start-ups. It’s almost too easy to get licensed to sell insurance. In a sense,