LIMRA MythBusters: Separating Distribution Facts from Fiction

---

Kathleen E. Krozel, LLIF, FLMI, ARP

Krozel manages the direct sales force (i.e., career and multiple line exclusive agent) distribution research program for LIMRA. Her team is responsible for some of LIMRA’s longest-standing benchmarking studies, providing research on field performance (recruiting and retention) and distribution financial management (cost and compensation).  Krozel’s primary expertise is distribution economics, but she has also directed projects covering field leader compensation, field benefits, and other topical issues in response to the needs of LIMRA’s membership.

Krozel serves as co-staff representative to LIMRA’s Financial Management Research Committee and acts as a research liaison for several of LIMRA’s committees and study groups.

Krozel joined LIMRA in 1985. She received her bachelor’s degree in mathematics from Central Connecticut State University and earned her LIMRA Leadership Institute Fellow (LLIF) designation in 2015.

---

Laura A. Murach, ACS, LLIF, FLMI

Murach manages LIMRA’s insurance and investment intermediary/third-party distribution research program. She and her team conduct various research studies related to independent producers, wholesalers, and other distribution intermediaries including BGAs/IMOs, broker-dealers, wirehouses, and financial institutions. Murach also conducts advisor research and manages LIMRA’s Panel of Financial Professionals.

Murach is staff representative to LIMRA’s Wholesaler Leadership Summit and research liaison to LIMRA’s Independent Producer Marketing Committee and LIMRA’s Brokerage Committee. Murach is a graduate of Ithaca College and earned her LIMRA Leadership Institute Fellow (LLIF) designation in 2018.