Berkshire Life's Advanced Disability Meeting is booked into a choice property this year: The Ritz-Carlton Bachelor Gulch, a gracious Beaver Creek, Colo., ski resort.

Of course, there isn't much skiing in September. And Berkshire agents aren't booked for complimentary spa treatments or rounds of golf. Spouses who come along will pay their own way.

Incentive-quality property? Yes. Incentive conference? No. In fact, the ADM is billed as a training meeting. But agents must qualify

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