Career coaches and psychiatrists tell us that their clients suffer from a familiar set of traps when it comes to progressing in their careers. In this document, Don Phin explores some of the most common work-based traps.

Headlines in trade magazines and major newspapers announce thrift charters being approved for insurance companies, agreements being reached between federal bank regulators and state insurance departments, and financial services reform. In many ways, banks continue to increased their involvement in the Property/Casualty insurance market.

'We don't want to be all things to all people,' says one agency manager, 'so we want to identify a niche for Life insurance agents to master. Do you have any suggestions?'