A LIMRA International study shows that the number of independent producers has declined for the first time in the United States, falling 7% between 2004 and 2007. LIMRA CEO Robert Kerzner unveiled the figures at the annual meeting of LIMRA in New York. He underlined the importance of recruiting producers and opening new distribution channels. Lifetime income products are a clear opportunity for the independent network, he pointed out, adding that "the economic crisis reinforced consumers' desire for a guaranteed check in the mail box every month and they look to us to provide the vehicles to deliver it."