Websites are like business cards: Everybody has one. So, how can you get customers to find yours among millions of others? Most recommendations about marketing a website focus on guess what? Online tools. Send e-mails. Send thousands of e-mails. Post to other websites. Register with search engines. Buy or exchange ad banners with other sites.
However, because most people spend most of their time offline, it makes sense to market your website offline, too. How many of these proven offline marketing tools are you using?

The book of Life/benefits business springing from your P/C business can be as valuable as, or even more valuable than, your P/C book. For this reason alone, identifying who owns that book under all conditions is important.
Two parties might challenge your ownership: Life producers and Life carriers.