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Communism is whining and moaning and expecting someone to make it better. Capitalism is going out and doing something about it.
But actually, I never questioned my value or yours. I simply laid out what we are. Health agents are middle management from the 80s and 90s. If you don't act quick, computers are going to replace you. Agents need to convince the carriers and clients about the value they provide, and it is not just signing people up for health plans. Since I'm more of a life guy, I probably have another decade or two until people start buying life online, or stop buying completely.
It sounds like you provide a lot of value, the problem is the wrong person is paying you. The client is the benefiting from all value add services you provide, not the carrier. Sadly, I think you'd have a hard time convincing your clients to pay you a fee on top of the premium.
Not sure what your point was. I agree that it might be more beneficial if the system in place involved clients paying the agent but that's not been the case and I don't see that changing, nice idea though. It would be great is we could get compensated for our time like CPAs, attorney's, etc. Why don't you suggest that to Obama? I never whined expecting "someone to make it better", I was expressing an opinion, I think we all are entitled to one whether you agree or not - sorry but I disagree with you, that's not exactly my definition of communism.