Within 30 minutes of being contacted, insurance agent Dal Watson had already added this reporter on most of his social media sites - Google+, LinkedIn and Twitter. And doing so with clients has brought him and other brokers who are on social media increased business, better reputations and stronger connections.

But not all brokers are on social media, and in this modern technology-driven age, it's not why they shouldn't join, but rather why wouldn't they, says Rick Morgan, chair of the Independent Insurance Agents & Brokers of America Agents Council for Technology Social Web Workgroup. Not being on social media is like starting an insurance agency but not having a website and not showing up at any meetings, Morgan says.

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