So I've been reading the health forums & what's happened to those guys appears to apocalyptic. Commissions drastically reduced & revenues just completely butchered. Maybe I'm also just hearing the complainers & the top dogs are still killing it? Here's my doomsday scenario (because we can't all think it will never happen to us..) America gets hit w/ 2 or 3 MAJOR catastrophe flood situations (like Katrina) that cause even more damage in a shorter period of time. Of course that would be a nightmare w/ NFIP claims & private carriers denying coverage as "flooding vs wind" and it becomes a public outcry issue overnight. That prompts the government to take "executive action to ensure the public can't be screwed by rich home & auto insurance giants again." The talk about the total profits in the insurance industries & how they're using their corporate might to get out of paying claims. They then mandate that all companies doing business in america MUST cover flood. The NFIP funding gets split up among carriers relative to their market share to subsidize that cost, but the funding as we all know is never enough to cover losses. The government then also FORCES P&C companies to contribute to a fund for the UNINSURED property owners to cover flooding as well. Re-insurer's want no part, or their rates become affordability high to the point that private insurers can't manage the situation & the private landscape is changed in the blink of an eye. The external forces are too great for regional carriers to stay afloat & the largest carriers start buying them up & commission contracts are altered to almost nothing on property lines. Profits are so dismal that insurance carriers flee to take rates on auto insurance, but the government has limited what rate increases they can take. To make the now insanely high auto insurance more affordable to everybody, the government opens a marketplace for P&C insurance that's only available directly to consumers through a portal. The government will subsidize the rates based off your income levels, but the subsidies they pay to insurance companies are too delayed & not enough to cover RISK & PROFIT. They also won't pay subsidies to company's who show a certain % profit in any one year. After the drastic mergers & acquisitions...we have a few MASSIVE carriers left that become "too big to fail..." when the next catastrophe hits... ...and the next one hits.... ...Obama now runs Allstate-Travelers-Nationwide Liberty Mutual Corp who provides insurance to 99% of people. The government "creates new jobs" by making 50,000 new navigator positions to help people fill out apps. The agents going out of business don't show on jobless reports & the moron's of America praise Obama for not only making car/home insurance affordable...but creating new jobs too.