We have a prominant Insurance Agency. As we deal with the complexities of the changing industry, I have made it a mission to fully explain in detail this mystifying "scam" like industry. By analyzing the financial statements and balanced combined ratios we can find the healthy companies from those that are just pumping rates up, but will lose millions / billions of consumer premium dollars because of it. Im a rainmaker - if the agencies are selling the companies products, who else is? Not the board of directors!