There's always that one policy everyone needs but no one really wants to buy. 

That could almost be said about any insurance policy on any given day. 

That's why the insurance renewal process is such an amazing and underappreciated gift. 

You always have another chance to get that less-than-desirable policy added to the stack. 

Joel Cavaness, President of RPS, talks about how he approaches underserved areas and discovers potential new opportunities.