Insurance products are highly diversified in nature. Life, health, auto, property, and commercial fall under the products that an individual agent may offer. With diversification of product lines, specialization in areas of interest and special areas makes the individual agent highly competent in niche areas. In addition to creating avenues for higher incomes, niche areas afford greater prestige associated with the particular area. With specialization, the job of being an agent becomes much more interesting than others because the individual may become highly aware of some area.