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Hello All, I am contemplating on hiring my first agent. What should I be aware of and what are the common splits in commission and broker fees? Thanks.

I've been in the insurance industry nearly 12 years, and I've become the guy that gets the hard to place referrals. On a daily basis I work with businesses that generally do not fit with the standard market. Here are some examples of recent accounts: - FMX (motocross) jump shows - They show up to any event, weather it be a track, beach, or parking lot, and perform flips and tricks as an opening act to a main event. (still considering new markets for this as they require monthly special event policies). - Inventory/Contents companies - They require Inland Marine for contents of others, as well as GL/EPL/Pollution Liability/Work Comp. They own a warehouse where contents of others and BPP is stored. The majority of work performed is taking inventory at residential and business properties, and incidentally will remove undamaged PP for temporary storage. Sometimes the inventory is completed in locations with exposure to asbestos; which they are fully licensed and trained to do so while wearing proper gear. - Textile/Home Goods Sales - They have two warehouses; one for storage, one for packaging/shipping. All sales are to wholesale and public via the web. - Swim Instructors - Teaches children aged 3-18 to swim in public and school pools. Package required. - Commercial Production Companies - Requiring coverage for props/sets/wardrobe, GL, hired auto, work comp, all on short term basis. - High Ex Mod/Large premium Work Comp risks. - Several clients from Machine Shops, Body Shops, Warehouses, Janitorial, with 500k - 3mil payroll with either lapses in coverage, large recent claims, or high ex-mods. Needing a market for the Work Comp - NO PEO! These are just a few examples of accounts within the last 30 days. I currently work with too many GA's, most of which do not have a market for a few of these. I'd like to find someone to work with that is quick on response, follows up, has reasonable fees, and has a broad range of market access. Please only reply to this is you are serious about being able to help. Thanks in advance. Regards, John H Crawley [email protected]

...ows and doors, housecleaning, lawn care, snow removal, and property inspection...

From Brandon Abo - Critical Insurance is a VALUABLE piece of insurance that can bridge a gap between health insurance co-pays and deductibles and also provide some cash to make up the the low disability income the client may receive. Below are some key points as to why this is an important sale. Retirement Protection - Critical Illness Insurance is the only product that can truly protect your retirement portfolio during the asset accumulation stage of life. Many agents work hard developing a "plan" for their clients retirement, only to watch that plan go up in smoke when the client is diagnosed with a critical health condition and doesn't die. All the effort by the agent and client to develop a plan is no good if it's not protected. Income Protection - Disability protects your clients paycheck. At least a percentage of their paycheck. Considering only about 60% of your client's income is replaced with disability coverage (leaving 40% uncovered). Disability policies are usually sold with a 90 day elimination period (benefits are always paid in arrears) often leaving months of no income. Critical Illness Insurance does not have the occupation restrictions that disability insurance does and it provides an immediate tax free, capital based way of replacing income. It is easier to turn capital into income than it is income into capital. Mortgage Protection - Why is it that banks request term insurance (as a kind of mortgage protection) when only 3% of mortgage foreclosures are due to a death? Critical Illness Insurance is the new kind of mortgage protection! Considering 48% of mortgage foreclosures are due to a critical health condition, this coverage is imperative.