ramachandran md and ceo aviva life insurance products have become attractive for customers but insurance sales are dependent on discretionary income in the hands of customers it may be too early to declare that insurance industry is moving towards a structure where the cost of entry and exit will match that of others such as mutual funds bank deposits or bond purchases but it promises to be better than what it is now if implemented without dilution but life may not be the same for agents the ubiquitous agents risk being washed away by the changing tide if they are not willing to change with the times any change is difficult but unless you adopt new ideas you will not be able to succeed now agents will have to work intelligently besides working hard said bharat parekh an agent with life insurance corporation whatever happens insurance companies can run their show only through individual agents so they are investing in retaining agents a sharp agent will adopt to the change but those who are not willing to will go out of business