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April 19, 2023:

   Please click here for an updated message from President & CEO David Tralka regarding the recent events in the banking sector.

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Stay up-to-date on important industry news and the latest products and services from InsurBanc.

Bookmark this page and check back often. If you would like to contribute a story or news item, feel free to email us at: or call 1-866-467-2262.

New Website Coming Soon!

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We are excited to announce that the launch of our new website is approaching in June!  Our team has been working around the clock for the last few months to deliver a new website with the best possible user experience.  Enjoy the same features and information with easier navigation!

Watch for more announcements as we get closer to the launch date

Private Equity Takes a Pause:  What It Means for Agency Owners

In a recent Independent Agent Magazine article, Robert Pettinicchi, EVP/Chief Lending Officer at InsurBanc, discusses the pause in private equity purchasing activity and what opportunities that presents agency owners in today's market environment.

Click here to read the article.

2023 Agency Outlook and Trends

In this On Point Podcast with Peter Aartrijk, listen as David Tralka, President/CEO of InsurBanc,  takes the temperature on the agency marketplace.  Dave discusses merger and acquisition activity, PE purchases, preserving agency legacy with staged perpetuations and an agency's "culture of achievement."

Click here to listen in.

Generations Coming Together

With a large pool of young agents wanting to become agency owners and eager to take the reins and agency owners considering exit strategies, now is the time to have the conversation!

Whether you are an agency owner initiating your succession plan or a 30-something year old ready for an ownership opportunity, join the discussion with InsurBanc’s Scott Freiday and Keith Mangini in a recent Rough Notes article.

Click here to read the article.

Using Tech Tools in the Fight Against Bank Fraud

Insurance agents provide security and protection to their clients on a daily basis, but do you know how to protect your agency from bank fraud?  Patricia Smith, InsurBanc's Director of Cash Management,  discusses ways criminals attack banking information and the tech tools you can employ to prevent fraud.

Click here to read the article.

Start the Conversation:  Prepare for Agency Ownership!!

Listen to the latest Agency Nation Radio podcast with InsurBanc Division Director Scott Freiday and ECI Insurance agency principal Avery Moore as they share strategies and anecdotes for aspiring agency owners on how to get started early with proper planning and financing.

Click here to listen.

Doing Succession Planning the Hard Way

Creating a succession plan can be a daunting task.  And when unforeseen events occur, the process can be overwhelming.  Learn from one agency’s challenges and have the necessary conversations sooner rather than later. Connect with InsurBanc’s SVP Scott Freiday and ECI Insurance owner Avery Moore’s conversation on “Doing Succession Planning the Hard Way” in IA Magazine with Peter Van Aartrijk.

Click here to read the article.

“Inside-Outside" Game:  Is an Internal Offer Really Worth Less Than an External?

Inside Buyers?  Outside buyers?  Become familiar with all the facts before you decide on which direction to take your agency.  Scott Freiday, SVP and division director at InsurBanc, will help you understand how “inside” and “outside” buyers differ and assess what the differences mean to your agency. 

Click here to read the article.

Five Reasons ESOPs Are an Excellent Option for Succession Planning

Succession planning is vital to safeguarding an agency’s legacy and preserving the industry via perpetuation.  A recent article by Robert Pettinicchi, InsurBanc’s EVP and Chief Lending Officer, discusses the five reasons ESOPs may work for your succession plan.

Click here to read the article.

How to Avoid Banking Fraud at Your Agency

Banking fraud in today’s world is an ever present issue when insurance agencies are moving money.  In a recent PropertyCasualty 360 article, Patricia Smith, InsurBanc’s Director of Cash Management, discusses understanding how this fraud is organized and executed to put you in a better position to protect your agency.

Click here to read the article.

Financial Health of the Independent Agent and the M&A Landscape

Listen to the latest On-Point podcast as David Tralka, president and CEO of InsurBanc, discusses the health of the independent agents, the M&A landscape and options for agency principals thinking of selling – staged exits, private equity offers and ESOPs.   If you’ve ever considered a sale to a third party, Dave outlines how to justify selling internally even when an outside party offers huge money.

Click here to listen.

Not Your Father's Agency!

Young producers are coming into their own and buying agencies.  A recent article by InsurBanc loan officers Scott Freiday and Keith Mangini in Independent Agent Magazine talks about this new generation of owners and tips on how to pull this together from a young agent’s viewpoint and the owners planning their retirement.  They also share four different profiles of young agents that moved into agency ownership or expanded their agencies.

Click here to read the article.

How Can a Financial Partner Help Your Agency Thrive?

After 20 years of serving the lending needs of independent insurance agencies, ask InsurBanc! Check out Dave Tralka’s latest article, “Good as Gold – 6 Ways Financial Partnering Can Help independent Agencies Thrive” in the August 2021 issue of Independent Agent Magazine from IIABA.

Click here to read the article.

InsurBanc Celebrates 20 Years by Supporting IIABA's Invest Program!

Click here to read about InsurBanc's commitment to the independent agency system through a donation to Invest. "Joining with Invest to inspire more young people to consider insurance as a stable, dynamic career is one way we can help ensure the agency system will prosper in the decades ahead," says David Tralka, InsurBanc president and CEO.

Happy 20th Anniversary InsurBanc!

Click here to read a great interview by Rough Notes with our President Dave Tralka and Vice President Bob Pettinicchi discussing InsurBanc's successes in the industry over the last 20 years.

Is an Insurance Specialty in your Future?

Who should you be? A specialist with a niche practice focused in a specific industry or a generalist who knows a little about a lot? InsurBanc’s Robert Pettinicchi was recently featured in PropertyCasualty360 to answer this age old question.

Click here to read the article.

Will your Agency Prosper in 2021?

Click here to read an article written by Dave Tralka and Robert Pettinicchi for Rough Notes on eight optimistic reasons why they are seeing healthy merger and acquisition activity and the importance of how being aware of digital interactions and a mobile workforce can move your agency forward during these changing times.

Defining the "New Normal"...Do You Know How to Plan For 2021?

President and CEO of InsurBanc, Dave Tralka, recently wrote an article for Independent Agent Magazine. The article unpacks what it will mean to expect the unexpected in 2021 and how agency principals can retain value and sustain their earning power even through a pandemic.

Click here to read the article. 

Has the pandemic altered independent agent’s financials, succession plans and way of doing business?

Listen to InsurBanc President and CEO David Tralka talk with Peter van Aartrijk and get up to speed quickly on what you as an owner should be anticipating in the marketplace, the Payroll Protection Loan program and how to create an opportunity out of the disruption.   Dave also discussed that now is the time to take a look at how you reacted to what has happened and make adjustments to your business practices and offers some specific actions that owners must consider ASAP.

Click here to hear the podcast.

InsurBanc Discusses Cyber Security -  Business Email Compromise 

Is you agency’s email security up to date? InsurBanc discusses business email compromise that is affecting small to medium sized businesses. A type of phishing attack that involves cyber criminals impersonating an employee or executive at a company or a trusted vendor, such as your bank. Employees are then tricked into moving money or reveling sensitive information.

Click here to learn more.

Patricia Smith Shares 3 Ways to Improve Cash Management Efficiency and Security

Is your agency’s cash management system up to date? Are you aware of the latest cyber protections? In InsurBanc’s latest article for IA Magazine, Patricia Smith discusses three ways to improve outdated cash management and security practices that could be hurting your agency. Whether your agency still deposits checks manually or doesn’t invest enough on cybersecurity protection, then you might want to consider modernizing your agency to improve cash flow and protect your assets so that your agency doesn’t fall behind competitors.

Click here to read the full article.

Keith Mangini Discusses Insurance Agency Loans – Structure and Collateral

InsurBanc's Keith Mangini discusses the average bank’s tendency to base loan value on tangible assets. InsurBanc, however, considers all of an insurance agency’s assets, including the agency’s book of business and predictable cash flow in the agency loan structure.

Click here to learn more.

Pattie Smith Discusses Agency Cash Management Strategy

InsurBanc's Pattie Smith discusses the need for new and established insurance agencies to consider creating an effective cash management strategy to handle the collecting, management and investment of an agency’s cash.

Click here to learn more.

Keith Mangini and Scott Freiday Discuss Insurance Agency Loan Request Documents

InsurBanc’s Keith Mangini and Scott Freiday speak on what documents insurance agencies should expect to submit when applying for agency financing.  Financial forms include the agency’s tax returns and financial statements, along with the agency principals’ personal tax returns and financial statements. 

Click here to learn more about what you should expect.

Barbara Carlevale Discusses the Role of the Business Online Banking Administrator

InsurBanc’s Barbara Carlevale speaks on the role of the business online banking administrator and how important it is for the safety and security of an agency’s online banking system. Three key responsibilities to consider are creating a unique ID for each user, establishing the employee’s access level and maintaining user access. How can your agency benefit from this essential role?

Click here to view the video.

InsurBanc is Now on YouTube!

It is with great excitement that we officially announce the launch of our InsurBanc YouTube Channel! We've created this channel as a place independent insurance agents can go to view educational videos on topics such as agency financing, cash management, trends in the industry, cyber security and other related content important to the insurance industry.

Currently, we have a few videos of original content demonstrating a variety of financial topics for the independent insurance agents and there will be more videos added every week. The short 2 minute to 4 minute videos cover a range of financial topics including “Intro to InsurBanc”, “Why Agencies Borrow”, “Cash Management Strategies” and “Business Email Compromise (cyber security)”.

We welcome you to explore the channel, SUBSCRIBE to stay informed, and to like and share our videos!

Click here to view our channel.

David Tralka Discusses the Importance of Cash Flow to an Agency

Revenue isn’t always the best measure of agency value, nor should it be a principal’s main concern when trying to grow or sell your agency. Smart agency owners recognize that steady and predictable cash flow is a better determinate of value. Read David Tralka’s article “Why Agencies Should Focus on Cash Flow” to learn more.

Robert Pettinicchi Discusses Promoting Strategies to Attract Young Workers

In InsurBanc’s latest article for IA Magazine, Robert Pettinicchi discusses the insurance industries' lack of promoting opportunities to attract young adults, and some strategies to draw them into the field. Young workers today are unaware of the benefits that a career in insurance has, one that provides flexibility and autonomy from a healthy income. So other than relying on family to perpetuate their agencies, owners should consider reaching out to a local college or starting an internship program to promote themselves to young employees.

Click here to read the full article.

David Tralka Shares 7 Risks to Analyze for Your Agency’s Safety

InsurBanc’s David Tralka recently wrote an article for The Standard, where he advices agency owners the importance of analyzing the risks of their business, and the steps to eliminate them in order for their business to remain prosperous. Often times, agencies are so focused on their clients’ needs that they neglect their own, placing themselves at increased risk of a cyber attack, etc. These are seven risks you need to assess to protect your agency.

Click here to read the full article.

David Tralka Speaks About Productive Agency Debt

David speaks with Peter van Aartrijk on OnPoint about the current state of the M&A market and how to use productive debt to enhance your agency value and growth.  Simply preparing your agency for a lending situation will compel you to self-assess your agency and learn how to tell a good story to your bank. 

Click here to listen to the podcast.

InsurBanc's Robert Pettinicchi Discusses Why You Should Consider A Staged Internal Perpetuation

In Robert Pettinicchi’s latest article for the Independent Agent, he discusses in depth the factors to consider before selling your agency. A staged internal perpetuation is one factor to consider to keep control of the business in the family and maximize earnings. With selling, not only will you be giving up future cash flows, but also lose on a chance for a solid financial future by not widening ownership in your agency.

Click here to read the full article.

InsurBanc’s David Tralka Discusses How to Prepare for Agency Ownership

David Tralka recently wrote an article for IA Magazine. In the article, he discusses the five reality checks to ensure you’re ready for agency ownership. It takes a deliberate plan of action to be the next agency owner, and it is imperative that you get yourself involved in all areas of the business. These reality checks can help current agents plan for the future of their agency ownership.

Click here to read the full article.

InsurBanc’s David Tralka Discusses Borrowing for Agency Growth

In David Tralka’s recent interview with NU Property Casualty 360, he discusses the productive ways agencies can use debt to increase the value of their firm. Borrowing money can be a winning proposition if you borrow carefully and wisely, propelling your agency forward with improved cash flow and growth over time. Whether your specific growth plans consists of hiring new producers or upgrading technology, Tralka discusses the fundamental methods and benefits of borrowing for agency growth or improvement.

Click here to read the full article.

InsurBanc's David Tralka Discusses Agency Valuation

In David Tralka’s latest article for Insurance Journal, he discusses what creates agency value and how markets determine the price your agency is worth. There are different ways to look at value, but not all of them give an accurate picture. If you want more control over your agency’s value, organic growth is a great option. Owners should work to increase the value of their agency to ensure that they will get top dollar when it comes time to sell.

How can you increase your agency’s value? Click here to read the full article.

InsurBanc's Robert Pettinicchi Discusses the Best Practices When Planning for Succession

Robert Pettinicchi was recently interviewed in an article for Property Casualty 360. The article discusses how to get prepared for the future and start formulating a plan for succession. Whether you are moving on from your insurance agency, going into retirement, or going into another business, a strong succession plan is key to setting up your agency for success after you have left or getting a fair price if you choose to sell.

Click here to read the full article.

InsurBanc's David Tralka Discusses How to Manage Your Liquidity

In David Tralka’s article in Rough Notes, he discusses the best way to use your liquidity to benefit your agency. Extra cash can be put to good use by investing in your agency, creating even more value and generating future returns when you decide to sell. He also looks at when it’s best to use the funds you have on hand versus seeking financing. Agency perpetuation and mergers and acquisitions are perhaps the greatest reasons why an agency might decide to borrow.

How should you manage your agency’s liquidity? Click here to read the full article.

InsurBanc's Robert Pettinicchi Discusses the Benefits of Creating Internal Revenue for Your Agency

Robert Pettinicchi recently wrote an article for Independent Agent. In the article, he discusses misconceptions about perpetuation and the benefits of investing in your own agency. Owners can realize greater value over time by retaining and investing in their own firm. What does it take to create internal revenue?

Click here to read the full article.

InsurBanc's David Tralka Discusses Whether it is Better to Build or Buy

In David Tralka’s article for Insurance Journal, he discusses organic vs. inorganic growth and which option is better for growing your agency. With interest rates rising again, agency owners need to take a look at all of their options, whether that is investing in producers and technology or acquiring a new book of business or agency. Both investing in your agency, and building your agency organically offer many rewards, but what plan makes sense for your agency in this rising interest rate environment? Click here to read the full article.

InsurBanc's David Tralka Shares What Agency Owners Would Say to Their Younger Selves

In David Tralka's podcast for On Point with Peter van Aartrijk, he speaks about the agency owners he has met with, who are close to retirement, and what they would say to their younger selves if they could go back in time. Owners often look back with ideas of how they could have run their agency differently or what improvements they could have made. Some owners wished they had brought in more new talent or had prepared their perpetuation sooner. Hear what David has learned from these agency owners. 

Click here to listen to the full podcast.

InsurBanc's David Tralka Shares Wisdom from Agency Owners

In David Tralka’s latest article for National Underwriter/Property-Casualty Magazine, he discusses five key lessons on agency ownership and perpetuation. He shares the wisdom he’s heard from agency owners over the course of his career. These lessons can help current and prospective agency owners plan for the future of their agency. Click here to read the full article.

InsurBanc's Robert Pettinicchi Discusses Whether or Not Selling is the Right Path for Your Agency

Robert Pettinicchi was recently interviewed for an article in Insurance Business America. In the article, he discusses what happens when agency owners come to a crossroads in their career. Should they sell their agency? He discusses the many options available to agency owners and why it might be beneficial to not sell right away. Click here to read the full article.

InsurBanc's Robert Pettinicchi Discusses Attracting Millennials to the Insurance Industry

Robert Pettinicchi was recently interviewed for an article in Insurance Business America. In the article, he discusses the lack of Millennials in the insurance industry, the benefits that a career in insurance has, and the need for the industry to promote just how good a field it is. For young people with an entrepreneurial drive, working at an agency can open doors for business ownership later on. Click here to read the full article.

InsurBanc's Robert Pettinicchi Discusses The Best Places to Seek Agency Financing

In Robert Pettinicchi’s article for Insurance Journal, he discusses where to seek financing for loans to facilitate an agency acquisition or perpetuation. Lenders that specialize in agency financing understand the value you have created in your book of business and can be flexible, making a loan to your agency with your book of business as acceptable security. These lenders will help you compete with bigger players by providing capital for acquisitions and assisting you by keeping your options for growth and value building wide open. Click here to read the full article.

InsurBanc's Bob Pettinicchi Discusses How to Obtain Financing to Expand Your Agency

In Bob Pettinicchi’s article for Insurance Business America magazine, he discusses how important it is for agency owners to invest in the future in order to be successful in today’s market. Agency owners should be considering acquisitions and investing in technology or people if they truly want to expand. Technology can help agencies streamline their internal process, increasing efficiency, and cutting expenditures. In order to do this, agencies must find a bank to finance these projects. The best way to secure financing is to look for a bank that understands agencies finances and needs. Click here to read the full article.

InsurBanc's David Tralka Discusses Rising Interest Rates in IA Magazine

In David Tralka’s latest article for IA magazine, he discusses the reality of the rising interest rates and how agencies can best handle this new environment. As rates rise, the cost of capital increases. So, if your agency can lock in a fixed rate loan soon it could save you a lot of money in the future. In the end, planning is everything and while you may not be able to time things perfectly, now is the time to start moving forward with any ventures you may have coming up. Click here to learn more.


InsurBanc's Scott Freiday Speaks at Leadership & Development Conference in Manhattan, KS

The leadership and development conference is the top networking event for leaders in the Kansas insurance industry. Scott Freiday's session will be on Thursday, October 5th at 12pm. In this session he will discuss the key considerations in agency acquisition and perpetuation. He will also discuss the financial aspects and economic case for perpetuation. Agency owners will be demystified of accessing capital for growth. Owners will leave with a better understanding of the value of their agency. Click Here to learn more.

InsurBanc Shares 3 Keys To Effective Cash Management For Your Insurance Agency

InsurBanc’s Vice President and Business Development Officer, Patricia Smith recently contributed an article to Property Casualty 360. In this article, “3 Keys to Effective Cash Management for Your Insurance Agency,” Pattie discusses the life cycles a successful agency experiences over time and how effectively managing cash flow impacts those cycles. For independent insurance agencies and brokerage firms, cash management is unique — calling for a focused, strong cash management system provided by the agency’s banking institution. Click here to read the full article.

InsurBanc Shares Insight on Growing your Agency through Banking Technology

InsurBanc’s Vice President and Business Development Officer, Patricia Smith recently contributed an article to Property Casualty 360. In this article, “Using Banking Technology to Manage the Insurance Agency Journey,” Pattie explores the life cycles a successful agency experiences over time and how effectively managing cash flow impacts those cycles. It is essential that agency owners understand that good cash management solutions will increase an agency’s value and allow for growth to the next stage. Which stage is your agency in? Click here to read the full article.

InsurBanc Discusses the Current State of the Industry

InsurBanc’s Chief Lending Officer, Robert Pettinicchi recently contributed an article to Insurance Journal where he shared four industry observations and four action items every insurance agency principal should take. How has the merger and acquisition environment changed and what impact will rising interest rates have on valuations? Read the article as Bob describes his insight on the industry and the best steps agency owners should take today. Click here to read more.

InsurBanc Partners With IIABA's Best Practices

As a Best Practices research sponsor, InsurBanc is excited to share the Best Practices for Agency Operations 2017 webinar series hosted by IIABA and Regan Consulting. In this 7-part series of 15 minute webinars, Best Practices research will give agencies and the industry key benchmarks and operational information for growth, profitability, productivity and financial stability. Registration and session descriptions are available for this free webinar series by clicking here.

What's Ahead for Agency M&A Activity?

InsurBanc’s President and CEO, David Tralka recently sat down with Insurance Journal to discuss the future of the M&A market. In recent years, the number of announced transactions has been record setting. What does this mean for 2017? Listen to this podcast as Dave shares his insight on future trends for M&A activity in 2017 and the factors that will impact the market. For those agency owners looking to sell, Dave offers advice on ways to leverage your agency and positively impact your agency’s value. Click here to listen to the full interview.

Buyer Beware: Agencies Warned About Growing Too Fast

InsurBanc's Executive Vice President and Chief Lending Officer, Robert Pettinicchi was recently interviewed by Insurance Business America where he shared his thoughts on agency growth. The goal of any agency owner is to build a successful agency. But are you growing effectively? In this interview, Robert shares how agency principals should think when growing a successful agency verses the mistakes often made. If you are interested in reading more, click here.

InsurBanc Shares Insight on Cash Management

InsurBanc has recently published another article with Property Casualty 360. The article, 3 Keys to Effective Cash Management for your Insurance Agency, authored by InsurBanc’s Vice President and Business Development Officer, Patricia Smith, provides insight into the importance of a comprehensive and unique cash management plan for independent insurance agencies. Patricia expands on some of the essential tools needed for an effective cash management plan. Interested in learning more? Click here to read the full article.

What’s Next for Your Agency Perpetuation Plan
With every day that passes, you are getting closer to retirement. Have you given thought to what will happen to your agency? InsurBanc’s Vice President and Commercial Loan Officer, Keith Mangini recently shared some insight in Insurance Journal’s article, What’s Next for Your Agency Perpetuation Plan. It’s essential to realize that a well-crafted perpetuation plan can not only impact your retirement, but also your agency’s value. In this article, Keith explains the necessary steps agency principals should take now in order to maximize the agency’s value for the future. Read the full article by clicking here.

InsurBanc Discusses the Impact of Technology
In a recent article published by Rough Notes magazine, InsurBanc’s Chief Lending Officer, Robert Pettinicchi discusses the impact technology has on the value of an independent agency. Bob explains how agencies that utilize technology and train those to use that technology effectively will create a more valuable agency. When agencies invest in technology they become more profitable, which consequently increases their value. Click here to learn more about the effects of technology investment.

InsurBanc Discusses Key Components of Agency Acquisitions and Perpetuations
David Tralka was recently interviewed by Agencies Online discussing agency acquisitions and perpetuations. In case you missed it, you still have the opportunity to learn valuable information. In this webinar, InsurBanc’s President and CEO, David Tralka, shares insight into the current M&A market. Dave discusses the key considerations of financially planning and preparing for succession, tools to maximize agency value and ways to access capital for growth. Check out the webinar here. If you are interested in learning more, contact InsurBanc at 1-866-467-2262.

3 Questions Agents Ask Their Lenders
InsurBanc’s Chief Lending Officer, Robert Pettinicchi recently discussed his opinions on interest rates and agency valuations in Property Casualty 360’s article, “3 Questions Agents Ask Their Lenders.” In this article, Robert shares what he expects of interest rates in 2016, the current state of agency valuations, and the factors to consider when valuing your agency. To read more, Click here.

Strategies for Growing Your Agency
InsurBanc’s President and CEO, David Tralka was recently interviewed for Property Casualty 360’s article, “5 Key Strategies for Growing Your Agency.” In this article, Dave discusses how planning for perpetuation can be thought of as a growth strategy. An internal perpetuation plan can engage key employees to start thinking like owners and think about the future of the agency. Click here to read the article and learn how your agency can stand out from the competition through perpetuation.

Moving on Up: Perpetuation for Young Agents
Recently, the Independent Insurance Agents & Brokers of America released a webinar, “Moving on Up: Perpetuation for Young Agents,” hosted by InsurBanc’s President & CEO, David Tralka. In this webinar, Dave discusses the process of perpetuation from a young agent’s perspective. He describes how to start thinking like a buyer by learning how to access capital and understanding agency valuation. As a young agent, this webinar will teach you how to become part of the succession plan. Click here to listen.

Perpetuating vs. Selling
Farmington, CT (May, 2015)
In Insurance Journal’s recent article, InsurBanc’s Chief Lending Officer Robert Pettinicchi discusses why agency owners should consider perpetuating their agency instead of selling as they move towards retirement. With valuations increasing, you may be considering selling your agency. However, with selling you no longer can benefit from any future cash flows from your agency. Economically, perpetuation can often make more sense. Click here to learn more.’s newest article
Farmington, CT (October, 2014)’s newest article discusses the spike of agency acquisitions in 2014 and the important components of an internal perpetuation with industry experts from InsurBanc and Reagan Consulting. Click here to read.

InsurBanc Helps Fast-Track Agency’s Perpetuation Plan After Principal’s Passing
Farmington, CT (February, 2013)
For an insurance agency, executing an internal perpetuation plan can be tricky enough. But when unfortunate circumstances force the plan to be completed on an accelerated timeline, the challenges mount. Find out how one agency was well prepared with a perpetuation plan and the right financing partner.

Extreme Makeover: What Makes an Agency Attractive to Buyers?
Farmington, CT (October, 2011)
Some agency and brokerage owners who would like to be courted have not made their operations particularly attractive to buyers – What’s lost on a lot of agencies is that every business decision you make, it has to be made with the idea: Does this build value or destroy value?

Agency Perpetuation from the Lender’s Perspective
Farmington, CT (September, 2011)
For insurance agency owners, a well-conceived and properly executed perpetuation plan is a great mechanism for harvesting the value generated through their dedication and commitment to building their business.

Value Building Key in Agency Financing, Perpetuation, M&As
Farmington, CT (September 2010)
An insurance agency must build value over time and if at some point the owner is going to look to harvest that value, he needs to nurture the business and run the operation in a manner that creates value. This value-building philosophy is the glue that holds the entire perpetuation plan or M&A together.