AGENCY COMPENSATION: FINDING ALTERNATIVES by Carol Hammes Some independent agents, depending on the part of the country they're in and the type of risks they write, are beginning t...

FINANCIAL MANAGEMENT IN AN UNCERTAIN MARKETPLACE by Carol Hammes It takes a lot of planning to attain higher growth rates and lower expense levels. The first step in the process is to evalua...

RESPONSIBILITIES AND REWARDS OF AGENCY OWNERSHIP by Carol Hammes Not everyone is cut out to be an agency owner. Some of the best producers and service reps either do not want to tak...