You’ve probably heard many presentations that include the bleak LIMRA statistics telling us life insurance ownership is at a 50-year record low. You may also hear over and over again about the shrinking and aging of the agent distribution system, the frailty of product profitability and the regulatory threats to some of the key benefits of buying (or selling) life insurance. These problems are not separate from each other. They are all tied at some level to the widening relevance gap between the consumer and the industry. Houston, we have a problem.