Agency growth is fundamentally a compounding math problem where retention beats acquisition. An agency running at 92 percent retention with 15 percent new business steadily outperforms a shop with 82 percent retention and 25 percent new business, simply because backfilling churn consumes aggressive sales momentum. Sustainable scale requires treating policy retention as the baseline for compounding rather than relying solely on producer headcount. Here is the operational breakdown: salesroadmaps.com/how-to-gr…

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