Few would argue that 2013 has been a tumultuous year to sell insurance. The rollout of Healthcare.gov was a nightmare that left many unanswered questions for health insurance agents and consumers alike. The continued probes into unclaimed property left life insurers legitimately fearing that regulators were overstepping their boundaries. And the wait for a revised fiduciary standard may very well extend into next summer. Keep reading for a recap of the biggest events of 2012, and four predictions to watch for in the new year.