Insight Magazine - January 2021 - Non-Member by Big I Illinois

JANUARY 2021

INSIGHT AGENCY MARKETING

Trends, Tips, and Tricks for 2021 Plus

The Hard Market

- How did we get here? Springfield, Illinois Permit No. 178

PAID

PRESORTED STANDARD U.S. Postage

Help Save Your Clients’ Healthcare Dollars You Can Pair An Envision HRA With Any Carriers’ Group Health Plan Envision Healthcare is the only HRA Plan Provider to protect your employee’s healthcare dollars by paying the provider directly. Clients save an average of 40% in annual premium while still allowing employees to have a benefit rich healthcare plan.

How Does It Work? n

Envision’s proprietary system enables brokers to present unique benefit programs not available through any insurance company

PROVIDER RECAPTURES Total Refund $336,235.39

Envision’s professional, easy enrollment and customer service team delivers seamless processing for your customers.

40000

Envision’s innovative reporting capability is designed to enable management to make informed decisions concerning their employees’ healthcare costs

20000

$35,603.76

35000 30000

$36,710.59 $32,092.85

$27,822.06 $23,620.65

25000

$32,130.18

$30,552.71

$31,062.00

$28,910.73

$23,206.05 $18,273.58

$16,250.23

15000 10000 5000 0

JAN

FEB

MAR

APR

MAY

JUN

JUL

AUG

SEP

OCT

NOV

Adding an HRA Plan Saves Your Clients Money and Improves Your Agency’s Retention “Their claims system is the most flexible one we’ve found in the marketplace. They offer excellent customer service and they pay the medical provider directly. – Augie Hirt, CFO Best of all, we get a live person every time we call!”

We Help You Increase Your Business While Your Clients Save Healthcare Dollars!

To Learn More About Our Services, Call Us Today At 866-672-7526 Or Visit Us At www.EnvisionHealthcare.com

DEC

JANUARY 2021

Editor & Graphic Design - Rachel Romines

Advertising - Tami Hubbell

CONTENTS 13

IIA of IL Wellness Series: Seasonal Affective Disorder

15 18 20 22 24 26 28

Nine Habits That Cause Us Unnecessary Trouble

By Alicia Davis-Wade

By John Graham

The Basics of a Winning Digital Marketing Plan

By Luis Pino

Seven Tools to Kickstart Your Marketing

By Dshanya Reese

It’s a Context Battle - Not a Content Battle

By Zach Weeks

New Marketing Tactics for Your Agency in 2021

By Joseph Cox

The Hard Market - How Did We Get Here?

By Victoria Dearing

A Guide to Success in a Challenging Market

By Bob Rosenkoetter

In This Issue

The Independent Insurance Agents of Illinois (IIA of IL) has been providing members with a sustainable competitive advantage since 1899.

7 8 9 10 17

President’s Message Trusted Choice Brett’s Two Sense Government

30 32 33 34

Associate News Agency Members in the News IIA of IL News Classifieds

e-Insight

info@iiaofil.org | www.iiaofil.org | (800) 628-6436 or (217) 793-6660 | Fax: (217) 793-6744

2009 • 2010 • 2011 • 2012 • 2013 2014 • 2015 • 2016 • 2017 • 2019 • 2020

Insight is the official publication of the Independent Insurance Agents of Illinois (IIA of IL). The magazine is published monthly for the members of the IIA of IL, with the office located at 4360 Wabash Avenue, Springfield, Illinois 62711-7009; Consumer Website: www.ChooseIndependent.com. The IIA of IL welcomes letters discussing concerns of the insurance industry, articles, editorials, other matters of interest to the membership. The editor reserves the right to edit and select submissions for publication. Address submissions for review to Rachel Romines at rromines@iiaofil.org. For advertising information, contact Tami Hubbell at thubbell@iiaofil.org.

Board of Directors Executive Committee

Chairman of the Board | Bill Wirth (618) 939-6368 | billw@wirthagency.com

ADVERTISERS 36

APPLIED UNDERWRITERS

BERKSHIRE HATHAWAY/GUARD INSURANCE CO

President | George Daly (708) 845-3311 | george.daly@thehortongroup.com

ENVISION HEALTHCARE

President-Elect | Jay Peterson, AFIS, LUTCF (217) 935-6605 | jay@peterson.insurance

GRINNELL MUTUAL REINSURANCE COMPANY

Regional Directors

Region 1 | James Sager (618) 548-2796 | james@kaneinsurance.com

HEMPHILL FINANCIAL GROUP/LEGALSHIELD

IIA OF IL SOLUTION CENTER

IMT INSURANCE

6 32 Cover Tip

INSURANCE PROGRAM MANAGERS GROUP JM WILSON OMAHA NATIONAL

Region 2 | Joseph Heneghan (618) 639-2244 | joe.heneghan@hwcrins.com

SECURA

Region 3 | Christopher Leming (217) 321-3185 | cleming@troxellins.com

TRUSTED CHOICE

WEST BEND MUTUAL INSURANCE CO.

Committee Chairs

IIA of Illinois Staff

Budget & Finance | Bennie Jones (312) 960-6200 | bjones@rmsoa.com

Director of Information and Technology Shannon Churchill - (217) 321-3004 - schurchill@iiaofil.org

Director of Government Relations Evan Manning - (217) 321-3002 - emanning@iiaofil.org

Education | Teresa Fleming, CIC, CISR (815) 849-5219 | tess@leffelmanassoc.com

Director of Education and Agency Resources Brett Gerger - (217) 321-3006 - bgerger@iiaofil.org

Office Administrator Kristi Osmond - (217) 321-3007 - kosmond@iiaofil.org

Accounting & Admin Services Tami Hubbell - (217) 321-3016 - thubbell@iiaofil.org

Director of Communications Rachel Romines - (217) 321-3024 - rromines@iiaofil.org

Director of Human Resources, Board Admin Jennifer Jacobs - (217) 321-3013 - jjacobs@iiaofil.org

Director of Membership Services Tom Ross, CRIS, CPIA - (217) 321-3003 - tross@iiaofil.org

Sr. Vice President/Chief Financial Officer Mark Kuchar - (217) 321-3015 - mkuchar@iiaofil.org

Products & Services Administrator Janet White, CISR - (217) 321-3010 - jwhite.indep12@insuremail.net

Chief Executive Officer Phil Lackman - (217) 321-3005 - plackman@iiaofil.org

Director of Prof. Liability & Ins. Products Carol Wilson, CPIA - (217) 321-3011 - cwilson.indep12@insuremail.net

Central/Southern Marketing Representative Lori Mahorney - (217) 415-7550 - lmahorney@iiaofil.org

Find us on Social Media

DEPENDABLE COVERAGE DEPENDABLE CLAIMS SERVICE Your restaurant customers can trust Grinnell Mutual’s Businessowners policy to deliver customized coverages that fit their business, and a claims team that’s there when they need them. That’s how we build relationships that last. Trust in Tomorrow.® Learn more today.

AUTO | HOME | FARM | BUSINESS

grinnellmutual.com “Trust in Tomorrow.” and “Grinnell Mutual” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2021.

WE BELIEVE THAT ORGANIZATIONS THRIVE WHEN THEY HAVE

HAPPY, HEALTHY, PRODUCTIVE EMPLOYEES That’s why we developed In-Sight 360 to manage all health, injury and absence events with one team focused on positive outcomes.

THIS CHANGES EVERYTHING.

LEARN MORE: 888-377-5845 • IPMG.COM/IN-SIGHT

president's message | INSIGHT

Happy New Year! As 2020 comes to an end, I can’t help but feel a huge sigh of relief. What will 2021 have in store for all of us?? As you read this article, there are many miracle vaccines going into the arms of our amazing healthcare workers and first responders. Soon, the most vulnerable population will receive this scientific wonder and we will be on the path toward getting our freedom back. I would love to know from each of you what you have planned as soon as we have the green light to resume unrestricted activity. I asked our IIA Board Members what is the one thing they hope to do once the pandemic is over. Here are some of those responses: Take a walk outside to take joy in seeing the unmasked facial expressions of everyone I see. - Amiri Curry, At-Large Board Member Go to a major league baseball game – anywhere and any team! - Randy Jacobs, FAC Representative Go to a PACKED sporting event with my Family (NCAA Tournament, PGA Tournament, NFL Game). - Pat Taphorn, Government Relations Chair Shake hands and/or hug. - Nick Gunn, Region 5 Director Travel to Greece or take my Dad to Mexico. - Bennie Jones, Secretary/Treasurer Travel with family and attend an athletic event. - Kevin Lesch, Vice President Visit with my parents. - Bill Wirth, Chairman of the Board All of the things. Dining out with friends, go see a ballgame, travel, and be with people. - Ryan Hite, Technology Committee Chair Shake hands and give hugs! - Greg Sandrock, National Director-IIABA Shaking hands! - James Sager, Region 1 Director Start shaking hands again! - Jay Peterson, President-Elect I am going to hug people and make it awkward. - Tess Fleming, Education Committee Chair I’m missing friends & family gatherings, and can’t wait to be with a group of “maskless” friends enjoying live music & dancing! - Cindy Jackman, Planning and Coordination Chair

Give a hug to someone from outside my own house – “Family.” - Chris Bassler, Region 10 Director Travel! - Allyson Padilla, At-Large Board Member Go to a Bears Game and have a Beer!!! - Michael-Charles Hilson, At-Large Board Member Visit my family again. Several of them have compromised immune systems so they have stayed away from the rest of our family since this all began. - Joe Heneghan, Region 2 Director I’d like to have the opportunity to see my senior son play either football or wrestle his senior year. It’s heartbreaking to see all these kids missing out on their senior year. - Tom Evans, Jr., Region 6 Director I am looking forward to traveling with friends and family once the pandemic is over. - Renee Crissie, Young Agent Chair My answer: I see my Mom every week but I have not hugged her since last March. I’m looking forward to a big bear hug with her once it’s safe. Everyone has their own personal wish list. But, while we are waiting for these dreams to become reality, we have some business to do. In this issue of Insight, you will receive some valuable info about the hard market we have entered and some ideas to navigate successfully through these choppy waters. In addition, there is wonderful information that will help you build or refine your digital footprint. We all have the opportunity to enhance our digital brand and use technology to take our agencies to a new level. The digital lessons we learn today will be valuable skills we can continue to deploy well after the pandemic is gone. Happy New Year to all of our members. May this year bring new happiness, new goals, new achievements and a lot of new inspiration in your life. At the same time, 2020 helped us to appreciate our own family, our own neighborhood and the simple things in life so much more. I hope any path you choose is filled with a promise for a brighter tomorrow. Happy New Year !!

George Daly - IIA of IL President - (708) 845-3311 - george.daly@thehortongroup.com january 2021

insight

IS YOUR AGENCY MISSING AN OPPORTUNITY TO HELP YOUR CUSTOMERS WITH GUARANTEED LIFETIME INCOME?

ANNOUNCING THE TRUSTED CHOICE®

GUARANTEED INCOME PROGRAM

A complete solution providing training, licensing, sales illustrations and innovative lifetime income annuities from industry leaders Nationwide Financial and Principal Group. Help your customers and generate meaningful revenue! Agents do not need to be security licensed. Licensing class is provided. The program’s 3% commission rate earns agents $4,500 on an average sale. Guaranteed lifetime income products require no underwriting and agencies are paid quickly.

Contact: Robert Holt, CLU, ChFC, CASL robert.holt@iiaba.net 703.706.5434

Pamper your customerâ&#x20AC;&#x2122;s business with a policy from West Bend. Your customers love their business. They put everything into it, nurtured it so it would grow. An insurance policy from West Bend is the best way to keep it happy, healthy, and profitable. So wrap it in the cozy warmth of the Silver LiningÂŽ.

WE DIDN’T KEY THE CAR. BUT WE’RE THE KEY TO FIXING IT. AUTO INSURANCE THAT’S DESIGNED TO BE WORRY FREE Wheels are the way around life. Protect vehicles with auto insurance from the Worry Free Company — IMT Insurance. Learn how you can represent IMT Insurance at imtins.com/contact and help your policyholders Be Worry Free with IMT.

AUTO | HOME | BUSINESS

CRAFT YOUR 2021 MARKETING STRATEGY Utilize Trusted Choice’s marketing materials as part of your outreach plan.

WE ’LL DO YOUR LIFE INSURANCE. YOU JUST DO YOU.

Insurance can be a lot to manage on your own. Espec ially when a local Trusted Choice Independent Insurance Agent can guide you through it. We’ll help with the resear ch, help determine your coverage needs at the right prices, assist with claims, and adapt to your family ’s needs as they change – at no extra cost to you.

TALK TO US ABOUT YOUR

INSURANCE TODAY.

AGENT NAME 000-000-0000 agentwebsite.com

LET US D INSUR O YOUR ANCE. YOU JU ST DO YOU.

Get FREE customized campaign materials that include your agency info and logo. Order yours now at

trustedchoice.com/agents

Insuring yo Indepen ur business is a lot dent In to man suranc help d age on e Agen etermin your o tg e adapt wn. to your your coverag uide you thro e need ugh it? Why not let an busines s at the s need We’ll he right p s as th lp with ey ri ce the rese chang TALK TO e – at no s, assist with arch, A TRUS claim ex tra cost TED CH to you. s, and OICE IN DEPEN DENT IN SURAN CE AGEN T TODA Y.

agentw

ebsite.c

Digital

Video

Radio

AGEN T NAM E 000-00 0-0000

e INSIGHT -

online journal at www.iiaofil.org/Resources/Insight

JA N U AR Y 20

INSIGH T AGENC Y

Trends ,

Plus

The Ha

- How

rd Mark et g

did we

MARK

ING nd Tric ks for 2021

Tips, a

et here

The

Local SEO Gold Rush Nobody is Talking About By Brian Segal In this monthâ&#x20AC;&#x2122;s e-Insight. january 2021

insight

INSIGHT | associate news Thank you to our Associate Members.

Diamond Level

Platinum Level

Progressive Surplus Line Association of Illinois

Gold Level AAA Insurance Arlington/Roe Blue Cross/Blue Shield of IL Keystone Insurance Group, Inc. Pekin Insurance

Silver Level Grinnell Mutual Reinsurance Company Imperial PFS IMT Insurance

Nationwide West Bend Mutual Insurance Co.

Bronze Level A. J. Wayne & Associates AFCO Credit Corporation AMERISAFE AmWINS Brokerage of the Midwest, LLC Auto-Owners Insurance Co. Berkshire Hathaway Guard Insurance Companies Columbia Insurance Group Continental Western Group Donald Gaddis Company, Inc. Donegal Insurance Group Encompass Insurance Encova Insurance Erie Insurance Group Foremost Insurance Group Forreston Mutual Insurance Company Frankenmuth Insurance Grange Insurance Illinois Mine Subsidence Ins. Fund Illinois Public Risk Fund Indiana Farmers Insurance Insurance Program Managers Group J C Restoration J M Wilson Kemper 30

insight

Liberty Mutual/Safeco Insurance Madison Mutual Insurance Company MarshBerry Maximum Independent Brokerage, LLC Mercury Insurance Group MetLife Auto & Home Midwest Insurance Company PEOPLE Previsor Insurance ProAg Management Inc RT Specialty - Naperville ServiceMaster DSI Society Insurance Specialty Risk of America Transcom General Agency Travelers UIG - The Agent Agency United Fire Group Universal Property & Casualty Utica National Insurance Group W. A. Schickedanz Agency, Inc./Interstate Risk Placement Western National Insurance Westfield Zywave, Inc. january 2021

associate news | INSIGHT IMT Insurance Celebrates #GivingTuesday and Pledges $20,000 to Community Organizations IMT Insurance was honored to participate in #GivingTuesday on December 1, 2020! #GivingTuesday is a global day of giving that harnesses the collective power of a unique blend of partners – charities, families, businesses, and individuals – to encourage philanthropy and to celebrate generosity worldwide. #GivingTuesday is held annually on the Tuesday after Thanksgiving. IMT strives to support local communities, throughout their six-state writing territory, in an impactful way. On Tuesday, December 1, 2020, one $2,500 donation was pledged every hour from 9 AM – 4 PM, for a total of $20,000! Five of the organizations were selected from IMT’s 2020 Community Contest winners and the final three were selected from this year’s IMT Month of Giving recipients. The following organizations each received $2,500: Trinity Lutheran Church – Viking Vittles (North Branch, MN), Food Bank of the Heartland (Omaha, NE), Moravia Memorial Avenue of Flags (Moravia, IA), Harvest of Hope Food Pantry (Hillsboro, IL), Irwin Fire Department (Irwin, IA), Boys & Girls Club of Freeport & Stephenson Co. (Freeport, IL), Hunger Task Force of La Crosse (West Salem, WI), Bethel House (Whitewater, WI). We were pleased to have a number of local IMT Agencies join us in presenting the eight organization donations on #GivingTuesday. We extend a special thank you to the following IMT Agencies: Hermann Insurance (North Branch, MN), The Harry Koch Co. (Omaha, NE), Power Insurance Agency (Moravia, IA), Bruce Webb Insurance (Farmersville, IL), West Irwin Agency (Irwin, IA), Dimond Bros Insurance (Freeport, IL), West Salem Insurance (West Salem, WI), and Banco Insurance Agency – Banco, LLC (Whitewater, WI). IMT is built on deep roots and relationships in our communities, and we truly value our partnership with each of them.

SECURA Insurance Donates $25,000 to Nonprofits in Honor of its Agency Partners SECURA Insurance will donate $25,000 to ten nonprofit organizations through a #GivingTuesday contest designed to help independent insurance agencies support organizations in their communities. Agents nominated local nonprofits through the #SECURAGivesBack campaign. Ten participating agencies were selected at random to receive a $2,500 donation to a nonprofit of their choice. “We are proud to continue the #SECURAGivesBack campaign for the fourth year – especially since nonprofits need support now more than ever, “ said Kevin Klestinski, Vice President-Specialty Lines Underwriting. “#SECURAGivesBack is our way of saying thank you to our independent agents for the work they do to protect nonprofits.” january 2021

Joseph M. Wiedemann & Sons, Inc. of Illinois is the Illinois recipient and benefits Housing Opportunities and Maintenance for the Elderly. For additional information about the company’s charitable giving and community support, visit secura.net/community. SECURA’s Specialty Lines office is located in Middleton, Wis.

SECURA Insurance Promotes Five Company Leaders

SECURA Insurance promoted five company leaders: Amy DeHart, Senior Vice President and Chief Actuary; Dan Ferris, Chief Legal Officer; Tripp Humston, Regional Vice President–Sales; Tim O’Brien, Vice President–Controller; and Brett Purcell, Regional Vice President–Sales. “These five individuals embody the qualities we look for in SECURA leaders,” said Dave Gross, SECURA President & CEO. “Each bring a wealth of insurance industry knowledge to guide their teams, and they will play important roles as SECURA continues growing to serve our policyholders and independent agency force.” SECURA has an A (Excellent) rating from A.M. Best, is recognized as one of Ward’s 50 top performing propertycasualty insurance companies and is a Great Place to Work Certified-company. Visit www.secura.net for more information.

J.M. Wilson Hires Cella and Tokarz as Assistant Underwriters

J.M. Wilson has announced the addition of Scott Cella as Assistant Property & Casualty Underwriter and Ryan Tokarz as Assistant Transportation Underwriter in their Arlington Heights, Illinois office. Cella and Tokarz are responsible for assisting with new and renewal quotes, corresponding with carrier underwriters, and serving independent agents in IL, IA and NE. Prior to joining J.M. Wilson Cella was a Physiotherapy Assistant for four years, as well as a Metals Department Coordinator and Elemental Spectroscopy Analyst for an additional four years. He earned his bachelor’s degree from Augustana College. Tokarz joins J.M. Wilson with four years of experience as an Underwriting Operations Associate. Prior to that, he was a Sales Manager for eight years. A Kent State University graduate, Tokarz earned his bachelor’s degree in Interpersonal Communication.   Founded in 1920, J.M. Wilson is a Managing General Agency and Surplus Lines Broker providing independent insurance agents access to specialty markets. J.M. Wilson can provide coverage for standard and hard-toplace Commercial Transportation, Property & Casualty, Brokerage, Marine, Personal lines and Surety. For more information about J.M. Wilson, call (800) 666-5692 or visit www.jmwilson.com.

insight

INSIGHT | agency members in the news IIA of IL Agency Member Celebrates Milestone Anniversary Harnist Insurance Agency, Inc., in Belleville celebrated their 75th anniversary in 2020. The agency was formed in 1945 by Joe Harnist, Sr., and his wife Ruth. The agency is now a third-generation agency with Joe Harnist, II, and Joe Harnist, III, working in the office. Congratulations! If your agency is celebrating an anniversary, send the information to Rachel Romines, Insight Editor, at rromines@iiaofil.org.

Harnist Family

DSP Insurance Services Voted Best Agency to Work For Midwest DSP Insurance Services in Schaumburg has been named a 2020 Insurance Journal Best Agency to Work For. DSP’s employees promoted their workplace - which has 75 employees and annual revenues of between $11 million and $25 million - as being one of the finest, leading to the agency’s selection as the 2020 Silver Best Agency to Work For in the Midwest. DSP colleagues lauded the personal attention paid to them by the agency’s management. “I don’t think there has ever been a time where I’ve crossed paths with the president of the agency where he has not emphasized how much he appreciates me and the work I do for the agency,” one employee said. In an email to Insurance Journal, DSP President Steve Webster underscored employee comments, stating that the agency’s leadership is “humbled by our employees’ nomination and very proud of them and our culture. By supporting our people, we feel it translates to a great customer experience as well as work experience.”

EVERY RISK IS AN OPPORTUNITY COMMERCIAL TRANSPORTATION | BROKERAGE | MARINE PROPERTY & CASUALTY | SURETY | PERSONAL LINES

To other agency owners with an interest in becoming an employer of choice, Webster advised: “Never stop looking to improve, learn and grow and most of all … empower those around you.” Congratulations to DSP Insurance Services!

(800) 666-5692 | JMWILSON.COM 100th Insurance Insight CMYK.indd 32JM Wilson insight

Webster said the teamwork employees embrace is part of the agency’s core values. DSP’s employees are what makes it special, he added. “They care. It’s not just a job, it’s a profession,” for them.

4/3/20 8:17 AM

january 2021

iia of il news | INSIGHT

Education Classes january

5 6 11 13 14 14 14 19 20 21 26 27 27 28

Pre-Licensing Course - Property & Casualty Virtual E&O Roadmap to Personal Auto & Umbrella Insurance Webinar E&O Risk Management Webinar E&O - Roadmap to Cyber & Privacy Insurance Webinar CISR-Elements of Risk Management Virtual Agents E&O Webinar E&O-Roadmap to Homeowners Endorsements Webinar Pre-Licensing Course - Life & Health Virtual CISR-Personal Auto Virtual E&O:Identity Theft, Red Flags, Money Laundering Webinar Culture, Ethics, and E&O Webinar E&O - Roadmap to Policy Analysis Webinar CIC - Agency Management Virtual E&O Risk Management Webinar

Farm Agents Council a division of the Independent Insurance Agents of Illinois

91st Annual Mid-Winter Meeting January 28-29

february

2 3 9 10 10 11 16 17 18 22 23 23 24 24

Pre-Licensing Course - Property & Casualty Virtual E&O Roadmap to Personal Auto & Umbrella Ins. Webinar Flood Insurance and the NFIP Webinar CISR - Insuring Personal Residential Property Virtual E&O Roadmap To Cyber & Privacy Insurance Webinar Agents E&O Webinar Pre-Licensing Course - Life & Health Virtual CISR - Commercial Casualty 1 Virtual E&O - Identity Theft, Red Flags, Money Laundering Webinar E&O Risk Management Webinar CISR- Insuring Commercial Property Virtual Ethics: Essentials for the Insurance Producer Webinar E&O - Roadmap to Policy Analysis Webinar CIC - Commercial Property Virtual

Virtual â&#x20AC;˘ 6 hours IL CE Available

New Members

The Importance of Ethical Behavior and the Farm Insurance Agent in These Crazy Times

member agency

Legislative Update If it Moves on the Farm - It Presents a Risk

Go to ILFarmAgents.com for details. january 2021

Formea Insurance Group, Inc. Chatham, IL

associate member - copper IBI - Insurance Brokers, Inc. Greenwood, IN insight

INSIGHT | classifieds for the insurance professional by the insurance professional

AGENCY/AGENTS/PRODUCERS WANTED

02. Forest Park/Oak Park agency for over 60 years, will meet your needs by providing space, markets, marketing & sales support, automation, merging with or purchasing your agency. Perpetuation/ Succession Plans, BuySell Agreements also available. We have experienced, educated and dedicated staff for you and your clients. Have access to our numerous companies, office services and many other resources. Retain ownership in your book with contingency. Please look closely at us- we are an agency you want to do business with! We’ve done it before, we know how- we make it easy! Visit our website at forestagency.com/agents.html, or call for a confidential discussion and a list of Agency benefits. Dan Browne will provide an agency evaluation/appraisal at little cost to you. Please call:

Dan Browne or Cathy Hall Forest Insurance (708) 383-9000 www.forestinsured.com/mergers-acquisitions

OPPORTUNITIES/SPACE AVAILABLE/RETAIN OWNERSHIP

13. We are a 100 year old Northbrook agency looking to discuss any mutually beneficial opportunity. Our producers, mergers, clusters and agency purchases receive 50% commissions on new and renewal business without any expenses. We can provide: office space, phones, agency management system, service renewals and changes. The companies we represent are: Badger Mutual, Employers Mutual, General Casualty, Guide One, Hartford, Kemper, Progressive, Rockford Mutual, Safeco, State Auto, Travelers and Met Life. Contact:

Nancy Solomon Martini, Miller & Schloss, Inc. (847) 291-1313 Ron@martini-miller.com

AGENCY WANTED

20. Since 2004, Central Illinois Agents Group LLC has been providing independent agents with a variety of markets with contingency opportunities. Agents have availability to several markets that they may not be able to sustain or maintain on their own. We have markets for personal, commercial, agricultural and crop insurance lines. Let us help you get to the next level.

Visit www.ciagonline.com for contact information.

This is Rick Hemphill, I have had the LegalShield booth at your convention for the last number of years. I have been an insurance agent for the last 44 plus years, and before that I was a police officer. Now more than ever, I believe our clients need the LegalShield products. LegalShield has: •Family Legal Plans

•Identity Theft Plans

•Plans for Truck drivers

•Law enforcement Plans

•Small Business Plans

•Supplement’s, like the Gun Owners Supplement

As a former police officer if you have a concealed carry I really suggest you take a look at this. Rick Hemphill Hemphill Financial Group 314-517-6836 rhemphill@hfgstl.com 34

insight

january 2021

Commercial | Personal | Farm-Ag | Specialty

Making Insurance Genuine SECURAâ&#x20AC;&#x2122;s team of insurance experts is making insurance genuine. They are here to support you and your clients. Our underwriting teams are quick to reply, open-minded, and know their stuff. Plus they are backed by our caring claims group who will get your clients back on their feet.

Interested in building a relationship? Contact us at secura.net/contact.

Hear from our experts. Want to learn more about what SECURA has to offer? Scan the QR code for more information about the SECURA team.

Expect big things in workers’ compensation. Most classes approved, nationwide. It pays to get a quote from Applied.® For information call (877) 234-4450 or visit auw.com. Follow us at bigdoghq.com.