Retirement pressure and recruitment opportunity
States with dense senior populations – notably Florida, Texas (48,480 aged 50+), and Alabama (4,886 aged 50+) – face mounting retirement-driven attrition. For carriers and intermediaries, this means preparing for knowledge transfer, leadership replacement, and client continuity risks. Meanwhile, regions with strong youth inflows, such as Arizona and West Virginia, are positioned to rebuild capacity faster but must invest in training and compliance supervision.