as they are integral to client satisfaction.You need to maintain direct accountability. As to agents not wanting to grow, there are two problems there - the first is that ALL's current captive agency comp makes it difficult to fund a sustained growth effort from that growth - it has to come from renewals, or from an infusion of cash or a business loan. Employee agents can't borrow against their businesses, since they don't own them. That's not to say it can't be done, but if you don't start out in this business with a surplus of $$$, it's not easy to amass one on ALL's current pay scale.
The other problem is that since an agent doesn't own their business and ( with the exception of CA agents ) Exclusive agents can't sell their business for five years, agents tend to get a tiny bit nervous about investing, especially when rumors abound re further reductions in comp rates.
I'm not saying that anyone should be planning a benefit for ALL agents<g>...just that as many other posters have pointed out, they want to grow and invest in their agencies, but cannot without a fair deal from ALL. I firmly believe that if ALL gave it's "captive " agents the same contract that they give the Independent Agents, ALL would soar!