Virtual University

Valuing Your Agency…Tangible Net Worth and Working Capital

Most agents understand that the value of their agencies lie in the value of the book of business – the future revenues and earnings derived from policy renewals and to…

Bag with money and tape measure with a wooden houses. The concept of a limited real estate budget. Low subsidies. Lack of investment in construction. Market crisis. Reduced demand for home buying.

Disability Income Insurance

As tough a sale as it is, life insurance can be sold. A far tougher sale is disability insurance. Most prospects do not understand statistically how likely they are to…

Paper colorful people and a red heart. The concept of love and kindness, donation

Death in an Agency

I have unfortunately worked with the families, estates and partners of several agency owners who have passed away. Most, but not all, of the deaths occurred unexpectedly. In all cases,…

Large cog wheels in the motor

How Much Insurance Do I Need on My Building?

An insured buys gets a steal on a new building, paying $2.5M for a building with a replacement cost of $12M. The insured is concerned with protecting his investment rather…

A car passes in this long exposure downtown Indianapolis and a storm brewing

2012 ISO Commercial Property Changes

The 2012 ISO Commercial Property filing changes both policy forms and endorsements. The forms have an edition date of October 2012. Since the changes include both broadening and reduction of…

TRIA Resource Page

Looking for information on TRIA? This is the place!

HRM or Human Resource Management, Magnifier glass focus to manager icon which is among staff icons for human development recruitment leadership and customer target group concept.

Coverages

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VU Consumer Articles

Below is a listing of Virtual University articles that have been rewritten from a consumer perspective. These articles are provided in Microsoft Word format, except where noted, and were developed…

The image of a gavel in a shopping cart suggests the intersection of consumerism and legal matters.

Consumer Insurance Articles

Below is a listing of Virtual University articles that have been rewritten from a consumer perspective. These articles are provided in Microsoft Word format, except where noted, and were developed…

Nature disaster and business insurance concept. Copy space of small home model into water and smooth wave background.

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