OF ALL the equipment in their offices, insurance agents probably use their telephone systems the most and think about them the least. As long as you can reach the people you want to call and they can reach you, the phone system doesn’t get much attention. But maybe it should. The systems have evolved, and today’s systems can change the way we think about phone service.

One of the biggest developments is Voice Over Internet Protocol, or VoIP, which allows phone calls through the Internet. By itself, VoIP might not seem to offer an advantage over using a conventional telephone line. But after I researched the system’s potential, we purchased one immediately.

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