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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
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
August 10, 2020

Insurance Aggregators Help Independent Agencies Grow

If you are starting out as an independent agency, you may have noticed that it’s difficult to have access to certain carriers or products, because the insurance companies demand minimum premiums and …

| By Tony Caldwell
August 10, 2020

Start an Insurance Agency as an OAA Member and Grow Fast

OAA membership is not just for large agencies hoping to increase their profit-sharing - OAA membership is great for both independent and captive agents wanting to start a small business and grow …

| By Tony Caldwell
January 14, 2020

Creating the Culture You Want

Nearly 25 years ago I became a partner in an existing business. While this was a fantastic opportunity for me it was a difficult beginning. For one thing, no one talked to me much. It wasn’t until …

| By Tony Caldwell
January 14, 2020

EBITDA

I have talked to business owners a lot about this term EBITDA, and they look at me with a puzzled look. It’s not either heard it before, or they don’t know what it means. EBITDA is an acronym. It …

| By Tony Caldwell
January 14, 2020

Cash Flow, Not Profits

I think people get confused about what’s important in running a business. You know, we talk all the time about the bottom line, the bottom line is profits.

| By Tony Caldwell
January 14, 2020

PRESSURE AND GOALS

Early in my sales career, I had the opportunity to go to New York City for some sales training with the Guardian life insurance company.  While there, I heard from a really successful life insurance …

| By Tony Caldwell