The U.S. Department of Labor predicts that employment for insurance agents and brokers will grow as fast as the average for all careers through 2022. The percentage of citizens older than 65 is growing at a much faster rate than that of the general population. Agents will be needed to meet the special needs of this group, converting some insurance policies from a death benefit to retirement income. Also, the 25-to-54 age group is growing. This is the age group that has the greatest need for insurance, and agents will be needed to provide them with services. In addition, more women in the workplace will increase insurance sales. Finally, employment opportunities for life insurance agents will be aided by the general increase in the nation's population, the heavy turnover among new agents, and the openings created by agents retiring or leaving the field. Employment growth should be best for independent sales agents because insurance companies are hiring more contract employees in order to reduce costs.