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...portion of premium is deferred, collateral might be required to mitigate the ...onthly online magazine for risk and insurance professionals.

...business -- and on referred and collateral business as well. Additionally, it'...she doesn't need to know about Life insurance, nor even mention it. Rather, th...

... Services Glossaries Management Resources & Links Categories Popular Recent All Back Agency Equity: Leveraging Your Intangible Assets 4/30/2013 12:00:00 AM by CompleteMarkets Editor , Paul Di Stefano This content has not been rated yet. Deploy equity by using it as collateral or releasing it in return for something else of value. If you aren't leveraging the equity in your agency, you probably aren't getting the most value from your intangible assets. Since equity doesn't appear on the balance sheet until goodwill is capitalized in a merger or ... . Paul J. Di Stefano, CPA, CPCU is managing director and G. Edward Kalbaugh, MBA is director of management advisory services of Harbor Capital Advisors, Inc., an investment bank and consultant to the insurance industry. Their E-mail address is [email protected] . They can also be reached at (800) 858-2732. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality ... - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to your ...

...titutions that manage risk with collateral; unsecured risk causes them panic. ...between the cultures of banking and insurance. The foci of banking are products, process, and people-in that order. Insurance, on the other hand, addresses pe...

... lenders who emphasize physical collateral; they want an inventory to pick up,...s. State and federal laws that view insurance as synergistic with banking and ...

...e to sue? How airtight is the collateral given to you? Did you remember to even ask for collateral? Do others have a verbal or written...d, yes, the cost of a knowledgeable insurance consultant to act as an expert...

...o needs quality copywriting for collateral materials? Who needs top-notch crea...

... is not viable-or worse, if you didn't even think of this possibility-will there be a lawsuit? Did you remember to check into the other party's debts? What if the buyer ends up defaulting on your sale? Will you have to sue? How airtight is the collateral given to you? Did you remember to even ask for collateral? Do others have a verbal or written agreement to have first right of refusal for the agency? Will you or the other party get sued if these obligations are not honored? How will the ... companies on most agency/company issues. Roger Thomas is serving as president of the American Association of Insurance Management Consultants (AAIMCO) from 1996 through September, 1998. You can reach Roger by calling 1-800-497-8798, by fax at 1-409-327-5082 or by E-mail at [email protected] . Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money ... you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients and social media efforts. Ability to attach leads and clients to your specific market searches, with e-mail alerts for all the market ...

... a popular subject in our discussions with individual members. Having just completed work for an agency that transferred its book of business to a local bank, I was acquainted with the differences in what I choose to call revenue mentality. Banks historically have been lenders who emphasize physical collateral; they want an inventory to pick up, or a building to repossess. They've had to put this emphasis aside to examine the revenue stream and value of a book of business, best characterized as the customer list. Oddly enough, this paradigm shift came ... markets. Roy Phillips, CPIA, CIC, can be reached at Dan R. King & Associates, 4888 Loop Central Dr., Ste. 100A, Houston, TX 77081, (713) 667-0333, fax (713) 667-1560, or e-mail [email protected] . Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money ... Management Resources & Links Categories Popular Recent All Back Agency Valuation Issues 4/30/2013 10:44:36 PM by CompleteMarkets Editor , Roy Phillips This content has not been rated yet. AGENCY VALUATION ISSUES by Roy Phillips More and more banks are entering the insurance industry by buying agencies, leading owners to ponder how to properly determine their agency's value. This document by Roy Phillips summarizes many of the issues you're likely to face when attempting to put a price on your business. &# 160 Two days of agency evaluation ...

...hibits, capabilities brochures, collateral materials, and various Internet tec...