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https://completemarkets.com/Article/article-post/1455/LTC-COVERAGE-COMES-OF-AGE/
...are doesn't cover custodial or intermediate care. LTC insurance is normally under...g LTC coverage as an effective health-care option. To avoid such claims, the N...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1108/Clusters/
... independent cluster is a looser formation. Agencies under this format combine such things as advertising, rent, automation, and clerical services, but retain independent ownership. Each agency under the cluster is responsible for its own carrier relationships, billing and correspondence. 2. The intermediate cluster provides more services in exchange for less independence. A management corporation is established to handle the administrative, processing, and overhead tasks. Operating costs are shared by all cluster agencies. Carrier relationships are generally handled by the management company, but agencies keep their ... distinct advantage. The pooled resources can give a cluster money to advertise on a much larger scale. Employees-If the cluster is to share staff, you may gain increased technical expertise, but some employees may become redundant. This is an important consideration which must be weighed carefully. The next area that needs to be looked at is the actual legal, contractual arrangements. For example, the cluster can be a joint venture (or partnership) or a corporation. Once you have taken all the above factors into account and decided on ... form your cluster will take, you will need to find suitable agencies to include in the cluster. The following questions will help both you and prospective agencies determine whether you are "right for each other" . Also, have prospective cluster members fill out the "Agency Profile" sheet to get a better idea of their business and goals. 1. Do you have outside ownership interests in your agency that need to be considered? 2. Do you have any major capital financial obligations? Look for such things as an agency ...
https://completemarkets.com/Article/article-post/1108/Clusters/
...ing and correspondence.
2. The intermediate cluster provides more services in ...t consideration which must be weighed carefully.
The next area that needs to...