I continue to hear people talk about what the return to normal will look like once the pandemic is behind us. The reality is that as we work to regain our sense of normalcy, our new “normal” will still look very different, and business will be anything but usual. We have all been forced to adapt and change the way we live in order to survive. In the insurance world, independent agents (IAs) took a big hit due to the pandemic and many were compelled to quickly change their entire business structure in order to survive.