Most of you have probably heard of the Robert Southey story, Goldilocks and the three bears. If you are not familiar with it, or need a reminder, it's the story of a little girl named Goldilocks.

My father used to tell me, "Good enough is not good enough." I can't say my dad is much of a philosopher, and as a lazy kid I will admit I heard what he said but didn't really know what it meant. Now, as an adult, I understand that he was saying, if you think you're good enough, think again, because there is always someone that will outwork and out hustle you. Don't get complacent. My dad isn't philosophical like a Vince Lombardi or Confucius, but there's a lot of truth to his statement.

A new year brings new optimism, new challenges, opportunities, goals and resolutions.

Unfortunately, many New Year's Resolutions end as quickly as they are uttered from our lips: lose weight, eat healthier, exercise, quit smoking, save more money, get out of debt, get organized, travel more, read more, spend more time with family. Sound familiar?

As an industry, we have done an excellent job bringing quality products to the marketplace. Products have evolved, but the method of delivering the product to the consumer is very much the same. This can prove to be one of the biggest challenges we face in reaching our core demographic. In fact, many agents have migrated away from presenting life insurance due to the complex process and time it can take – but we're about to change all that...