Your post makes very valid points. Senior management has tried their best to put processes in to support top line growth. The tenured agents who for the most part are resisting change have brought growth down to low single digit levels. It takes hard work to cross sell a book and to make cold calls for new business. The tenured agents in their early days did not have to work hard for new business as auto and ho insurance was in its growth days without the agent doing much but concluding the sale. The work ethic you see in non sales employees is not there and they turn their fury on anyone who dares suggest changes might be needed. Senior management is courageous in tackling this problem at long last. I agree we desperately need new blood in our agencies.
The point about Mr. Liddy if way off mark. He was part of the senior team for several years when the stock rose from the 20's to over 100. Now it is back down to low 60's (pre-split basis). We can thank our tenured agencies for bringing our stock backwards. It is sad but they just don't get it.