https://completemarkets.com/Article/article-post/1098/HARD-MARKET-SHENANIGANS/
...ier’s guaranteed replacement cost provision on the home, which can resul...would rebuild your home no matter the cost, today most insurers cap how much they pay to 120% of your p...
https://completemarkets.com/Article/article-post/2814/7-Best-Renters-Insurance-Companies-for-2026/
... measures every roundup uses, from cost and coverage to complaint records and ...age for the dwelling itself and often costs several times more. If you rent, y...
https://completemarkets.com/Article/article-post/2262/HOW-STAGED-ACCIDENTS-WORK/
...e often disguised as investigative costs or other professional services. In ...idents and has often testified in that capacity. He has also provided training...
https://completemarkets.com/Article/article-post/2775/Cash-Value-Life-Insurance-What-You-Need-to-Know/
...ortant to understand the risks and costs associated with these policies. The p...cyholders should also be aware of the cost of insurance and the rate of return...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/246/Profile-Checksheet-Of-Agency-Heading-Toward-Bankruptcy/
... Next 12 Months) ___ Net Cash Flow = ___ NOTE: To be safe, total cash flow for debt service should equal 130% of projected debt service payments. THREE-YEAR INCOME STATEMENT VARIANCE ANALYSIS WORKSHEET A. Calculate average annual growth in commission (excluding contingents) over last three years ___% B. Calculate average annual increase for last three years for major line-item expenses: Staff costs ___% Producers ___% Benefits ___% Travel and entertainment ___% Rent ___% Equipment costs ___% C. Identify variances and attempt to explain why variance occurred. D. Develop action plan to correct variance. EMPLOYEE PRODUCTIVITY ANALYSIS Current Year Previous Year Revenue per employee (includes owners and producers) ____ ____ Commission per C/L staff ( ... accounts receivable more than 90 days old Commission growth greater than 5% Producer compensation greater than 30% on renewal Debt service greater than profit Made acquisitions equal to 25% or more of total current revenue at price above 1.5x in last three years Property/Casualty commission per producer less than $250,000 Revenue per employee less than $90,000 Expense budget not prepared or monitored monthly Salary caps and compensation planning for staff not set at start of each year If you checked three or more of these items, you're in the danger zone! Here's an analysis of the basic criteria you can use for agency financial analysis: BALANCE SHEET ANALYSIS TRUST RATIO Cash plus accounts receivable/premiums payable should ___ be greater than 1.1x. If less than 1.0x, you're spending carrier premium. RECEIVABLES ...
https://completemarkets.com/Article/article-post/1802/SEVEN-MANAGEMENT-KEYS-GO-BEYOND-SURVIVAL/
...affed. As personnel is the largest cost in any agency and the cost of other overhead expenses goes well b...ncy is only as good as its pricing and capacity. Obviously, pricing and capacity result from the relationships ...
https://completemarkets.com/Article/article-post/246/Profile-Checksheet-Of-Agency-Heading-Toward-Bankruptcy/
...r major line-item expenses:
Staff costs _____%
Producers _____%
Benefits ____... producer 27.5% _____%
*NOTE: Staff costs consist of management override -5...
https://completemarkets.com/Article/article-post/2440/%E2%80%98So-Long-Farewell%E2%80%99/
...as the introduction of Sam’s Club, Costco, and Price Club, consumers were attr...oach, an asset allocation of 60% Large Cap and 40% Fixed results in a probabil...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/371/Big-Changes-Big-Dollars/
... her investment portfolio, and make a big fat gain for yourself in the process? I know that might be tempting, and you might be able to pay someone to say it was fair, but that's not the question. I don't remember reading that the Hancock or Allied Mutual policyholders were in danger of not having their claims paid. And claims coverage, along with the hope of lower net cost for insurance, is why the mutuals were formed. Is there a point here other than my moralizing finger-wagging? Well, first of all, there doesn't need to be. It's my article, after all. But, yes, there is a point. I'll now get off my soap box and try to explain. I've held for some time that much of the action in the P ... to the independents that aren't ready. My foray into IPOs, demutualizations, and megafinancial transactions is to alert you to the fact that these developments and the zillions of dollars at stake are not just current events. These developments could affect your world quite tangibly. And maybe very soon. We're used to thinking of insurance companies as huge. They are, but it's sobering to look at the market cap (the market value of all the outstanding stock) of some large stock insurers and compare them with the market caps of high-profile dot-coms and their partner companies. The dot-coms are way bigger than insurance companies. And consider that many insurers are valued at less or slightly more than liquidation value. When insurance company capital is tied up inside a mutual, there are a lot of goings-on to untie ...
https://completemarkets.com/Article/article-post/2755/5-Major-Aspects-That-Establish-the-Value-of-a-Cryptocurrency-in-2021/
...o benefit.
Manufacturing cost of a currency
When mining crypto...d by the actual expenses and resource costs associated with its production. Th...