Personal Lines

Meet in the Middle: The Life Insurance Cross-Sell

Accenture estimates the life insurance gap at approximately $12 trillion for U.S. middle-market customers, with $12 billion in revenue to be gained by simply serving them. Yet independent agents often overlook the middle market because high acquisition co

Agency Profile: Young and Hungry

Three high-performing, young producers thought they had a pretty good gig at a venture capital-backed online broker—until the company decided to move. They could go with the firm to Austin, Texas and keep their jobs, but if they wanted to stay in Massachu

From the Front Lines: Personal Marine

Pricier technology on boats, fewer younger buyers and stagnant rates lead independent agent and marine insurance specialist Brain DeSousa to believe that “the marine insurance marketplace is probably less profitable today than ever.”

Third-Party Property Damage: ACV or Replacement Cost?

A driver crashes his vehicle into an insured’s home. The driver’s auto insurer informs the homeowner and their agent that they will pay the claim for the damage to the home on an actual cash value basis, then advises the homeowner to submit the claim to t

From the Front Lines: Classic Cars

Independent agent Morgan Duffy has a “very positive outlook” for the future of the classic car insurance market. “People always complain that the millennial generation doesn’t want anything to do with collector cars,” he says. “But when I go to the trade

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