About three years ago, Joe Thomas sat down with a visionary coach. At first the now-five-year MDRT member from Birmingham, Alabama, had been reluctant, thinking the idea was "hokey." But he gave it a try and has been stunned by the effectiveness of having someone to hold him accountable for the things he wants to hold himself accountable for.

Advisors know the importance of finding a niche for themselves and communicating the value of insurance to clients. For Ronnie Lee Kaymore, that involves focusing entirely on athletes and, often, protecting the income of some of the best college players. "They seem to have a bright future," the four-year MDRT member from Newark, New Jersey, said, "but they have to stay healthy before they get drafted".

Easter reminds us that hope must never be lost for as dark as the road may seem, there always lies light at the end of it.