CONFIRMATION OF EMPLOYEE CENSUS Dear (Customer Name): Thank you for taking the time to meet with me on ( ). I enjoyed talking with you and I believe I can come up with a Group insurance program that...

COPING WITH DISAPPEARING COMMISSION DOLLARS by Carol Hammes The services of independent agencies have become increasingly valuable as the number and complexity of risk transfer options i...

CUSTOMERS: COMPLEXITY, INTANGIBLES, AND INSURANCE by Chris Burand During the past few months, regulations have been proposed that would require agents and brokers to provide clients co...

GET THE RIGHT VALUATION IN A BUY-SELL TRANSACTION by Chris Burand Valuing an agency can be a highly complex process. Who will read the valuation report? Unl...

SWOT: ASSESSING YOUR CHALLENGES AND OPPORTUNITIES by Pamela Millard There are signs that the economy is improving. Some have even suggested that the recession is over. Lets hope s...