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... that's very expensive. But we've seen a good return on that investment. The people in this field like to see you, slap you on the back and buy you a beer. The best advertising is word-of-mouth, and the conventions are one way to get that. Regnier recently added two more dbas to her agency-Municipal Services Agency of Texas and Ambulance Insurance Services of Texas-after CIGNA opened two new markets: municipalities with less than 10,000 people and privately owned ambulance companies. Nobody wants to mess with small municipalities, but after Glatfelter designed a program for them, ' she says. We think this will let us pick up a few of the fire departments and emergency organizations that have to be insured through their municipalities, too. That is where our network of agencies will help. We need ... , primarily in Houston , Dallas and San Antonio/Austin regions. The average premium is about $9 ,000, with some departments paying as little as $3 ,500 and a few anteing more than $100,000. The Company estimates that about half of the state's 1,300 VFDs are target customers; the others are too small or are required to carry coverage through their city or county. The agency writes about two-thirds of its volunteer fire departments and emergency service organizations directly, with the remainder handled by a network of more than 70 agencies peppered across the state. Regnier refers potential clients to one of these agents if the client is too far away for her office to provide adequate service. We don't have contracts with any agents, but we do have underwriting guidelines ...

...ve. Their funds are pooled together and invested by professional money manager...t also be a charge for accounting fees and marketing costs, whic

...CIGNA opened two new markets: municipalities with less than 10,000 people and ...crop. That gives us a good loss ratio, and keeps our companies happy, because ...

... title to the assets to be sold hereunder, and there are no unsettled or unpaid judgments against the Seller or the Stockholder. (k ) The Seller and the Stockholder have no knowledge of any threatened claims or litigation against the Seller or the Stockholder or threatened proceedings against the Seller or the Stockholder before any administrative or licensing authority. (l ) The Seller has filed all federal, state and municipal income tax returns and all other applicable federal, state and municipal tax returns required to have been filed by it (unless the time for filing has been properly extended) and have paid the taxes shown to be due on any such returns filed, and no waivers or extensions of the statutory period of limitation within which assessments may be made have been granted with respect to any such return. ... and further, the Buyer shall provide the Seller with a security interest in and to all of the assets which the Buyer shall acquire from the Seller hereunder, which security interest shall be in accordance with a security agreement in form and substance satisfactory to the Seller and evidenced by a Uniform Commercial Code Financing Statement duly recorded with the Secretary of State of the Commonwealth of Massachusetts and the Clerk of the City of Boston. 8. Segregation of Accounts. The Buyer shall segregate the Subject Accounts acquired from the Seller hereunder from its other accounts by coding or other appropriate method acceptable to the Seller. The said coding shall not be deemed to imply any ownership interest in said accounts by the Seller, but shall be for purposes of identifying the assets on which the Seller shall have a security interest pursuant ...

Purchase And Sale Agreement Part I
PURCHASE AND SALE AGREEMENT PART I AGREEMENT made and entered into this ___________ day of ________________, 19__, by and among ABC INSURANCE AGENCY, INC., a Ma... Accounts or the ability of the Seller and/or Stockholder to perform the trans...