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JOINING BANKS IN INSURANCE: DOING A SMART DEAL by Carol Hammes On November 12, 1999 the Gramm-Leach-Blily Act, the long-awaited financial services legislation which effectivel...
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EVALUATING BANK OPPORTUNITIES by Carol Hammes Faced with shrinking profit margins from their traditional products and services, financial institutions have been searching for ways...
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COMBINING INSURANCE AND FINANCIAL SERVICES: REALITY CHECK by Carol Hammes After the Barnett decision in Florida and the subsequent passage of the Gramm-Leach-Bliley Financ...
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FORMING A STRATEGIC ALLIANCE by Carol Hammes A major challenge facing the Independent Agency System today is to provide quality products and services in a more cost effective and user-frien...
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AGENCY GROWTH AND THE PERPETUATION DILEMMA by Carol Hammes Despite the incredible deepening of the commercial soft market, many independent agencies have continued to grow and have been qu...
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ACQUIRING AN INSURANCE AGENCY by Carol Hammes The buying and merging of insurance agencies continues to be a hot trend. Traditional buyers, such as larger local agencies, regional f...
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MANAGING, TRANSFERRING, AND ACQUIRING FAMILY INSURANCE AGENCIES by Carol Hammes Independent insurance agencies are often family businesses. Many current owners took over the agency from t...
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FUTURE SHOCK: THE NEED FOR AGENCY PERPETUATION by Carol Hammes Very few independent agencies in this country have a written perpetuation plan. In fact, most owners have not even pro...
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MANAGING COMPANY RELATIONS by Carol Hammes In recent reports, I have addressed the changing nature of the relationship between the American agency companies and the independent a...
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IMPROVING PRODUCTIVITY TO INCREASE NEW SALES by Carol Hammes When setting your agency's production goals for the coming year, don't rely on help from the marketplace. In fact, it...