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.

Paying Too Much For Insurance? Fifteen Minutes Could Change Your Mind.

January 28, 2008

Insurers Counter CFA Report Blasting Carriers For ‘Overcharging’ | www.propertyandcasualtyinsurancenews.com

Every Business Is Entitled To A Profit. That Level Of Profit Will be Determined By Competition.

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.

In This Soft-Market, Reinsurers Grow With Caution, Price Accordingly And Wait For The Next Disaster.

January 21, 2008

Reinsurers Start Losing Their Leverage As Commercial Market Keeps Softening | www.propertyandcasualtyinsurancenews.com

Reinsurers Grow With Discipline Learned From The Past

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.

Smaller "Cats." Mean More Capacity, More Competition, More Financial Discipline.

January 14, 2008

Builders Risk Premiums Keep Falling As Soft Market Expands Into Cat Zones | www.propertyandcasualtyinsurancenews.com

The Insurance Industry Has Capitalistically Evolved New Business Models That Have Prepared It To Remain Profitable After the Next Wave of Disasters So Long As Fiscal Discipline Is Applied In A Greater Way .

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.

When Volume Is Higher, Management Must Be Better

December 26, 2007

Top-10 P-C Insurance Stories Of 2007 Focus On Soft Market, Poor Reputation | www.propertyandcasualtyinsurancenews.com

"Volume solves all your problems", but pricing still must recover both expenses and the targeted Net Margin.

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.

Governments At All Levels Must Partner With The Insurance Industry As Business Entities, Or The Public Will Fail.

December 17, 2007

Public Partnerships Critical For Insurers in Catastrophe-prone Regions | www.insurancetech.com

Litigating and disciplining the Insurance Industry, outside of sound, ethical, business reasons  are not profitable methods of encouraging recovery for 2008. 

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.

Though Rate Decreases Are A Relief To The Public, They Must Occur As The Result Of A Sound Business Model- Not A Government Mandate.

December 17, 2007

Home Insurers Fail To Deliver State's Promised Cuts | www.ccfj.net

Unrealistic and arbitrary Government mandates work well for issues political, but not for those that are fiscal.

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.

Allowing For a Flexible, Adaptive Business Plan means Growth, if not Survival During Catstrophic Events.

December 10, 2007

Insurance Companies Look Back On A Successful Year | www.kpmg.com

The Insurance Industry learned from the unpredictable, but certainly expected catastrohpic events earlier this century. The successful Agencies and Carriers adapted and now use business models the industry has not yet seen- they are teachable and will evolve into an even higher form. 

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 Surety Bond market for Subdivision Developers and General Contractors facing crisis due to the credit ratings of these entities.

November 26, 2007

US Sub- Prime Crisis and the Local Bond Market | biz.thestar.com.my

As Home Builders see declining credit ratings and some of our most well known Builders and developers go insolvent, Surety Bonds are now very difficult to obtain.

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.

Growth Through Acquisition

November 26, 2007

Guaranty Insurance Services Announces Acquisition | www.insurancenewsnet.com

With so many licensed Insurance agents in the market place these days competing for the same household and many unrelated  companies offering insurance to their customers, it's not only hard to grow a new agency, it's hard even to grow an established one.

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.

Is Insuring The Client's Business Enough?

November 26, 2007

D&O Litigation Trends in 2007 | www.irmi.com

Even after the Business Owner's Policy has paid a party/parties injured by the company, those that run the company could, and most probably will, face litigation in which they are the subject

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