Fixing the “leaky bucket” in agency and bancassurance isn’t about recruiting more people – it’s about keeping the right ones. High washout rates, ageing salesforces and a widening protection gap show that our current model is unsustainable. To change course, we need to rethink who we hire, how we mentor, how we train in the flow of work, and how we restore genuine pride in being an insurance professional, with AI playing a quiet supporting role rather than the main act.