GLG News by Individual and Group Long Term Care Brokers

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Florida's Soft Market May End Due To Legislative, Not Natural Distasters.

April 21, 2008

Senate passes homeowner's insurance bill tougher on companies | www.sun-sentinel.com

Let The Industry Stabilize And Grow By It's Own Dynamics Instead Of Another House Bill. 

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

With Hurricane Season Approaching, Have Insurers Been Charging Enough?

April 14, 2008

Active hurricane season predicted | www.businessinsurance.com

This Storm Season Will Identify Those Carriers Who Have Managed Growth And This Soft-Market With Discipline.

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Florida Property Insurance Poll: No More Quick Fixes

March 31, 2008

Florida Property Insurance Poll: No More Quick Fixes | www.insurancenewsnet.com

Government band-aids can only cover injuries that a true free market can heal.

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

The ore is hot. ..now strike.

March 26, 2008

US property insurance 2008 rates seen flat to soft | www.reuters.com

In this soft-market, Insurance profit centers must add as many new clients as is possible, but must adhere to strong fiscal discipline at the same time.

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

More regulation of insurance.

March 24, 2008

New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com

Compliance proceedures resulting from overwhelming government regulation of the insurance industry has produced an expense at agency level greater than that of policy acquisition.

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Using An Applicant's Credit As A Rating Factor For Insurance

March 24, 2008

New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com

The rates and availability of insurance policies are issues difficult enough. "Credit scoring"adds to the difficulty.  

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Lower Margins + Higher Volume = Closer Fiscal Management

February 28, 2008

MMC Sees 4Q Net Income Drop 62% | www.propertyandcasualtyinsurancenews.com

When competition sets price and  conditions in the securities markets produce losses of principal, the only way to raise the gross margin is by reducing operating.

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Desperate times......

February 28, 2008

Could Subprime Mortgage Crisis Turn Desperate Homeowners Into Arsonists? | www.propertyandcasualtyinsurancenews.com

Carriers expect desperate and dishonest acts during hard financial times.

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Reinsurers Are Allowing For Their Business Models Also To Become More Flexible And Adaptive

February 11, 2008

New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com

The Business Models Of Entire Insurance Markets Are Evolving As The Industry Itself Changes With This Current Soft Market.

John David CoffeyPresidentDavid Coffey Agency, Inc. What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

The Business Models Of Insurance Can Change By The Minute And Those Of Regulatory Bodies Should Be As Flexible.

January 29, 2008

Insurance CEOs, Regulators Face Off | www.propertyandcasualtyinsurancenews.com

Always And Forever, Too Much Regulation Impedes Growth.

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