Small business startups in the United States account for about 20% of the workforce, and 50% represent established small businesses (Criscuolo, Gal, & Menon, 2014). Small businesses have a vital role in (a) increasing financial security, (b) driving innovation, (c) boosting employment opportunities, and (d) the United States' economic development and growth (Arasti, Zandi, & Bahmani, 2014; Decker, Haltiwanger, Jarmin, & Miranda, 2014; U.S. Small Business Administration

SBA], 2014a, 2014b). During the 2007-2009 economic crisis that resulted in significant job losses, the U.S. president sought assistance from small business owners (SBA, 2014a, 2014b). Owners of small life insurance brokerage firms contribute appreciably to the U.S. economy through their investment in jobs creation (Leary, Kane, & Woods, 2014)