I was a captive agent for 5 years and did health,LTC and supps. Then went on my own and did Medicare advantage only and part D for last 6. When obama was voted in, our commisions were cut by 65% and all these regulations were put on us. Under Bush, we were able to do this year round. Now, I'm limited to oct. 15th thru dec 7. Income went from 225k a year to 100k. I could go back to the old job anytime, but the amount of driving i would have to do, has taken a toll on me. So, now I have two jobs. I'm not complaining though. I'm close to home and much happier. One thing, is thru all the changes he took my freedom away. That's where it hurts a little, but getting use to it.