var ftGUID_4870247="46322CE1A5CB46";

var ftConfID_4870247="0";

var ftParams_4870247="ftx=&fty=&ftadz=&ftscw=&ft_custom=&ftOBA=1&ft_agentEnv=0&ft_referrer=https%3A%2F%2Fwww.insurancejournal.com%2Fnews%2Fwest%2F2019%2F12%2F05%2F550413.htm&gdpr=${GDPR}&gdpr_consent=${GDPR_CONSENT}&gdpr_pd=${GDPR_PD}&us_privacy=${US_PRIVACY}&cachebuster=671037.2113185375";

var ftKeyword_4870247="";

var ftCustom_4870247="";

var ftSection_4870247="";

var ftSegment_4870247="";

var ftSegmentList_4870247=[];

var ftRuleMatch_4870247="0";

var ftTimestamp_4870247="1599400875";

var ftImp4870247 = {};

ftImp4870247.privacy = "x";

ftImp4870247.guidAge = "-1";

ftImp4870247.impID = "8490B36E-C7AF-2A42-8B64-F2A221647DA5";

ftImp4870247.duid = "FT:46322CE1A5CB46";

ftImp4870247.ft_tpplid = "";

ftImp4870247.ft_c = {};

ftImp4870247.gdpr = "!!GDPR!";

ftImp4870247.gdpr_consent = "!!GDPR_CONSENT!";

ftImp4870247.gdpr_pd = "!!GDPR_PD!";

ftImp4870247.oob_consent = "";

ftImp4870247.gdprStoredConsent = "";

ftImp4870247.us_privacy = "!!US_PRIVACY!";

document.write('<scr'+'ipt src="https://cdn.flashtalking.com/xre/487/4870247/3128636/js/j-4870247-3128636.js" id="ftscript_m4870247" name="ftscript_m4870247"></scr'+'ipt>');