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excited colleagues
December 22, 2020

OAA celebrates its 20th anniversary looking to the future

What's Made the Last 20 years great? OAA is 20! And as we enter into our second 20 years, I'm really excited about the future. In fact, I think the future for the independent insurance agent is …

| By Tony Caldwell
two businessmen shaking hands
December 21, 2020

Learn how to sell an insurance agency

It’s never too early to start thinking about succession, and this article is a part of my series on things to think about when you’re considering selling your insurance agency.

| By Tony Caldwell
man and woman meet with another woman in a small office
October 26, 2020

Make the Most of COVID-19's Impact on the Insurance Industry

Let’s talk about harvesting low hanging fruit for just a minute. Right now COVID is making new business challenging for some agents, but that doesn't mean your agency's top and bottom lines can't …

| By Tony Caldwell
person using a small tablet with an illustration of technology floating around him
October 21, 2020

The Future of Commercial Insurance is Based on Hard Data

As business models turn more and more towards technology, there is a tendency to commoditize personal insurance, with personal lines now being sold online in minutes. These operating models are …

| By Tony Caldwell
Recession? It's a Weird Economy Right Now...
October 01, 2020

Recession? Price Increases in a Weird Economy

This is, without a doubt, the strangest economy I’ve ever experienced.  We are clearly in an “instant” recession that dawned overnight and continues into the fourth quarter.  All the stats are bad …

| By Tony Caldwell
chalk drawing of a man on a rocket ship
September 16, 2020

How to go from captive agent to independent insurance agency owner

Captive or independent? Maybe you've decided that the grass is really greener on the independent agency side of the business: commissions are higher, bonuses are bigger, freedom is greater, and the …

| By Tony Caldwell
miniature sculpture of a red man climbing a wall
September 15, 2020

Independent insurance agencies are growing fast

The last decade has seen more new independent insurance agencies created than any other time in history - some estimate that newly created agencies represent as much as 20% to 25% of all independent …

| By Tony Caldwell
tony ringing a bell
September 08, 2020

Independent Insurance Agency vs Captive - Which Is Best?

There are two different kinds of insurance agencies selling personal and commercial insurance in the United States. One kind of agency is known as a captive or exclusive agency, and agents who own or …

| By Tony Caldwell
text on a white background: growth agent insight, roadblocks to success
August 25, 2020

Roadblocks to Success

The other day I listened as my wife grew increasingly frustrated trying to accomplish a simple change to an airline reservation; even though hardly anyone is currently flying and airlines have never …

| By Tony Caldwell