Nichols' experience provided him with a new appreciation for the industry, and he has become an advocate for the importance of personal health and the role advisors and brokers play in educating consumers about the control provided by products and planning. He now runs marathons to raise money for others who have suffered spinal cord injuries.

Nichols' story is an extreme example, but I speak with people every day who display courage and persistence in other ways. It's these personal stories—of overcoming odds or starting a business—that make covering this industry so compelling. Many decided to help others after seeing a family member suffer due to a lack of coverage or bad financial advice.

I view the relationship with our readers as a two-way street, and look forward to sharing more of your stories, along with the breaking news and other in-depth content you've come to rely on. But I will also count on your knowledge and expertise to better understand the industry's most pressing topics. I look forward to hearing from you.

Recent months have brought King v. Burwell, the same-sex marriage ruling and the Aetna-Humana merger. As I write this, Anthem looks to be nearing a deal to buy Cigna and, oh yeah, we're heading into an election year. The winds of change are unlikely to slow. And while some may buckle under the pressure of constant adaptation, I have no doubt that many of you will analyze the shifting landscape, find your opportunity and grab it.

An advisor recently told me, “I find that when we embrace change, we become stronger.” That sounds about right.