https://completemarkets.com/Article/article-post/2469/The-Sweet-Little-Old-Lady/
...a small income from her husband's estate and 82 years' worth of things. But th... for a man who died in 1943 to sign a fine-art appraisal in 1991.
The lawyer did not file suit and a fraud was thwarted. The insurance company put some e...
https://completemarkets.com/Article/article-post/2433/Life-Insurance-An-Agent%E2%80%99s-Tutorial/
...ent or business planning. Current estate tax law has encouraged a variation ca...e of insurance can be beneficial for estate tax purposes, but is generally ina...
https://completemarkets.com/Article/article-post/1690/Work-Flow-Procedures-Manual-Personal-Insurance-Renewal-Procedure-Agency-Bill/
... 2. Are you concerned about estate taxes?
...
https://completemarkets.com/Article/article-post/1326/Homeowners-Confidential-Checklist/
... Are you concerned about estate tax liability if you were to die prem...
Do you plan to start a new business in the near future?
...
https://completemarkets.com/Article/article-post/1688/WORK-FLOW-PROCEDURES-MANUAL-PERSONAL-RENEWAL-PROCEDURE/
... 2. Are you concerned about estate taxes? ...
https://completemarkets.com/Article/article-post/1323/FAMILY-RISK-QUESTIONNAIRE/
... 2. Are you concerned about estate taxes? ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1426/RECRUITING-GOOD-LIFE-AGENTS/
... to higher income by resigning the job and going back to production. Failing personal contacts or referrals to agents, you might circulate announcements at places like CLU/ChFC chapters and Million Dollar Round Table meetings; in publications on the local or regional level; and among Estate Planners Council functions, financial planners' associations, or Health insurance underwriters' groups. Or try Certified Employment Benefits Specialists (CEBS) if you're lucky enough to have some in your area. You might also ask employees of the state insurance department; sometimes they ... need a true pro. Do you know of anyone we might talk to? ' Sometimes Bob' will respond that he may know of someone, but before revealing the name, he would like to find out a little more about you and the agency. That's fine! Bob may be curious or interested, or even itching for a change, but afraid to let word leak out that he's interviewing. So Bob is free to refer someone else, or say, in time, I'm interested for myself, let's talk. Similarly ... a prospect's insurance needs, and can fill those needs through his or her own knowledge or through associated professionals. It also means someone who can write profitable volumes of business. All qualities are essential. One without the other will not serve an agency well. The art or science of finding good Life agents, or spotting recruits with the potential of becoming good Life agents, is shrouded in a thick fog. Some of the larger Life carriers used to spend more than $125,000 to locate, test, evaluate, ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2011/MERGERS-THE-SIX-KEY-ISSUES/
... the seller is staying and earning that "plus a little" himself. Taking this extra amount away from the seller means that the seller loses and the buyer wins. Surplus assets: Many agencies have surplus assets of various kinds, such as surplus cash or real estate. Regardless of the asset, it raises the value of the agency. If the new, merged agency does not need this asset, it might make sense not to include it in the merger. Closing adjustments: Because both agencies continue to operate during the ... help the buyer. This point is almost always overlooked or misunderstood, but a little reflection should help make it clear: In a typical agency sale, the agency sold is expected to generate enough cash to pay for itself, "plus a little." That's fine in a typical sale because the seller is leaving. But in a merger, the seller is staying and earning that "plus a little" himself. Taking this extra amount away from the seller means that the seller loses and the buyer wins. Surplus assets ... sides should feel that the final result is fair and leaves them better off than they were before the merger. THREE: AGENCY VALUATION Valuation, an integral part of the negotiation process, is so important that it deserves separate treatment. Subjectivity: Although valuation is an art, not a science, it has some basic guidelines. Essentially, the value of an agency is based on the future net cash flow that it can reasonably be expected to generate. This cash flow is discounted back to the present using the appropriate time value ...
https://completemarkets.com/Article/article-post/2011/MERGERS-THE-SIX-KEY-ISSUES/
...nds, such as surplus cash or real estate. Regardless of the asset, it raises ... options. The business itself creates part of that problem and provides some ...
https://completemarkets.com/Article/article-post/1665/IDEA-CENTER-MODULE-VI/
..., Inc. Joint Venture with Real Estate Yields Prospects The Glascock Insu...lude a pertinent magazine or newspaper article. FINANCIAL SERVICES BULLETIN...