The tagline for Combs & Co. – the brokerage firm Susan L. Combs started nine years ago, when she was just 26 –  is "If you don't know insurance, know your broker." It's a perfect summary of the attitude Combs brings to the table.

"We have a real tell-it-like-it-is approach, with a little bit of swagger," Combs explains.

It's been a big year so far for Combs, further evidence her star is on the rise: She won a 2014 NUL Industry Elite Award, and she's the youngest person to set up an endowment fund at the University of Missouri.

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