They generally sell policies through several distribution channels, such as independent brokers, tied agents, and direct contact with customers.
They have had to operate as independent advisers, choosing from and advising on products from across the market, or as tied agents, representing one company.
But nearly half its premiums come from Switzerland, a small and mature market, and another quarter from Germany (see chart), where it has 3.3m customers and 1,600 tied agents.Standard & Poor's, a rating agency, was sceptical.
And it announced it is joining Norwich Union and Friends Provident in setting final deadlines for customers to complain about being mis-sold endowments which they bought from tied agents and the insurer's own direct sales force.
Commission bias has always been a charge better levelled at banks and tied agents so we must ensure we have the same system of payment for all aspects of financial services.
The Momentum Retail segment provides wealth creation and preservation, insurance and income products through tied agents and independent advisers to customers in the middle to upper-income and wealth market segments in South Africa.
Mr. Ridge's appearance followed an F.B.I. alert to local police agencies warning that "sleeper agents" with ties to Iraqi intelligence services "represent a significant threat".
Knowledge sharing in dynamic virtual enterprises is performed with three types of ties: knowledge agent to knowledge agent, knowledge agent to knowledge item, and knowledge item to knowledge item.
He was suspended after an N.C.A.A. investigation into his ties to agents and then dismissed after a series of minor disciplinary issues.
Spouses tied with agents for seventh place, and parents ranked a dismal 12th place with a mere 11 mentions.
