I've been in the business over 20 years. Started out as a full-time agent with Connecticut Mutual. Sold Life, DI, LTC as well as mutual funds and variable annuities. Earned CLU and ChFC as well as CFP designations. Branched out into employee benefits including health, life, LTD and 401k/profit sharing plans. Moved practice to independent B/D, earned Series 7, added managed money and full financial planning to business.