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Internal Perpetuation: Back to Fundamentals

Join us on Thursday, October 22nd as we partner with Reagan Consulting to present “Internal Perpetuation: Back to Fundamentals” in a FREE webinar for independent agents.

Mastering the fundamentals is crucial to successful perpetuation. Even though the market changes, the fundamentals do not. Join Mark Crites, partner at Reagan Consulting, as he discusses the key actions to take to set up an effective perpetuation plan. 

Whether you’re a young agent looking to build a strong foundation for your future or an agency owner ready to start the perpetuation process, this session will help you take the next step in your journey.

Thursday, October 22, 2026

3:00pm EST – 4:00pm EST

Teams Webinar

Mark Crites is a partner with Reagan Consulting since 2017. Mark primarily works with clients on mergers & acquisitions, agency valuation, and strategic consulting projects.

A Flexible Funding Option: Multiple Advance Term Loans

InsurBanc Division Director, Scott Freiday, recently authored an article, “A Flexible Funding Option:  Multiple Advance Term Loans”. In his article for The Standard, Scott discusses the flexibility that multiple advance term loans can provide as a funding option:

“A common funding approach used by independent insurance agencies is a line of credit, which allows for revolving working capital, whereas a multiple advance term loan is designed for specific transactions with a set drawdown period of 12-18 months. Agency principals should note that a multiple advance term loan requires intentional planning and is not meant for reacting to situations, unlike the line of credit which offers the flexibility to do so.”

Find out of this option is right for your agency. Click here to read the full article on page 14.

Art of the Exit – Ensuring a Smooth Transition When It’s Time to Sell

Whether you  are 30 or 65, the importance of starting the conversation about your agency’s legacy should start now.  A lack of long-term planning can affect your day to-day performance and revenue growth.

 This article explores the important aspects of your exit and the benefits of early succession planning – recognizing your eventual retirement and  your exit timeline, the importance of a proper valuation, external vs internal sales and contingency buy-sell agreements.

“You need to have a written, explicit succession plan in place.  Then you need to develop your plan and memorialize it!”  – Scott Freiday, InsurBanc Division Director

Click here to ready the article.

State of The Insurance Industry

How Can Insurance Agencies Prevent Falling Victim to Fraudulent Scams?

InsurBanc’s Director of Cash Management, Patricia Smith, recently wrote an insightful article, “Fraud Prevention Starts at Home for Independent Agencies”.

In this recent Property Casualty 360 article, we discuss the importance of having a watchful eye for fraudulent scams with an emphasis on how insurance agencies are particularly vulnerable. A step-by-step guide to the most overlooked steps­­­ to not just protect your clients but also your business and yourself.

Click here to ready the article.

What Every Agency Principal Should Know About Premium Trust Accounts

InsurBanc’s Director of Cash Management, Patricia Smith, recently authored an article, “Under the Hood of Your Agency’s Banking:  What Every Insurance Principal Must Know About Premium Trust Accounts”.

In InsurBanc’s latest article in Rough Notes Magazine, we break it down simply and take a clear, practical look at the importance of premium trust accounts.  Agencies can strategically learn how to leverage these accounts for operating efficiency.

Click here to ready the article.

How Contingent Compensation Is Factored Into an Agency Acquisition

InsurBanc’s Commercial Team Leader, Keith Mangini, recently authored an article, “How Contingent Compensation Is Factored Into an Agency Acquisition.” 

This article breaks down how contingency compensation fits into the valuation process and why buyers and sellers should pay close attention to it.  If your agency is navigating an acquisition or simply want a deeper understanding of your agency’s worth, learn how contingencies can influence deal structure and long term success. 

Check it out to learn how contingencies can influence deal structure and long term success. 

Ask These Questions Before Choosing a Lender and Borrowing Money

Agency owners considering financing should take a measured approach before committing to any borrowing strategy and a lending partner.    In a recent PC360 article, InsurBanc Commercial Team Leader – Keith Mangini – lays out the critical questions that can help guide sound decision-making for your agency.

Does the bank understand how independent insurance agencies operate?  Does the bank understand how to interpret carrier premium report?  Will collateral be required?

Benefit from Keith’s guidance, click to read the full article.

Bringing in Young Agents and Building a Leadership Pipeline

We are proud to share that George Thompson, InsurBanc Commercial Lender, was recently interviewed by Insurance Business America at the National African American Insurance Association conference.

George discusses how the industry can attract more young agents, build a pipeline for future leadership roles and current shifts in the industry.

View the entire interview!

Shifting Market Factors Webinar

The webinar is now available to view.

Click here to view.