He’s nearly 60, and was already decimated once by the 2008 crisis. Now his plans to retire within the next 10 years are almost completely shot, as is so much of his business client-base which actually keeps him afloat when the loans are gone. Tough to keep afloat and have the energy to be a high-production salesman again at his age when your clients cancel their policies. The situation right now is just not good for those nearing retirement age, or those relying on stay client premiums to stay alive. It’s tough.