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I have read some forums where people think the banks are taking over? What about the recent trend for large insurance companies to hire full service financial planners instead of just agents? Is the "life insurance salesman" a thing of the past? The guy who only has a life license, and maybe health, but does not mess with the series 6 and 63 {selling variable} license- is he obsolete? All you have to do is watch TV and it is apparent- the insurance companies want to handle the retirement income of the baby boomers. Seen the Dennis Hopper spots lately? Those are actually pretty good. It seems as though the business is headed towards having a one stop shop, one place to invest, protect, and park your money. And, this same place handles your checking account business- as well.