In the quiet arithmetic of retirement, Steve McCulloch's decision to sell Advice Insurance Agency — a business he built over 34 years — to Inszone Insurance Services speaks to a tension as old as entrepreneurship itself: how to protect what you have built when you are no longer there to protect it. The deal is one of more than 130 Inszone has completed since its founding, part of a private equity-fueled consolidation reshaping how American insurance agencies pass from one generation to the next. It arrives at a moment of rare calm in the personal auto market, where premiums have finally begun