Assume that you have been an insurance agent for some few years in Kenya. During the latest awards gala at the Carnivore Grounds in Nairobi. A total of 29,591 life insurance policies that generated a total of Sh2.3 billion in annual premiums were sold by 492 agents during the year. In the general insurance, a total of 3,054 policies with a Sh57 million value were sold by 43 sales agents. You won the Life Insurance new business agents award from the Association of Kenya Insurers (AKI) having sold 54 policies valued at Sh101.7 million. From such a tremendous insurance sales work, the Insurance Regulatory Authority (IRA) in collaboration with the Retirement Benefit Authority (RBA) has got to contract you to be their field advisor on the matters concerning the following:The challenges experienced by the general insurance service providers and the portrayed unsatisfaction from the consumers; Challenges your fellow sales agents get to encounter that obstruct them from achieving their objectives of great sale. What should be done so that this challenge is managed so that more young people can be encouraged to employ themselves through the insurance sales agent positions as stated by the AKI executive Director during the last AKI awards? What is the general attitude from the public to the insurance industry more so the life insurance products? Describe on the penetration so far giving the necessary role that IRA & RBA need to actively take so that this penetration gets to a better level. Required Give a genuine advise to the regulators so that they are in a position to spear-head the required changes in the insurance market.