I just wanted to introduce myself to this community. I have been lurking for about 3 months now and I fell the need to contribute. I am an agent with Modern Woodmen of America and have been here for about 4 months. Before that, I was a Financial Advisor with Edward Jones for about 2 years. I am fairly new with life insurance as I only did term policies for Edward Jones. I am enjoying Modern Woodmen so far. I look forward to contributing to this forum and learning about what makes other agents successful.