Every once in awhile in the world of investment banking, an idea is born that creates unexpected wealth. Unfortunately, not all innovations have positive long-term consequences, as witnessed by the

Every once in awhile in the world of investment banking, an idea is born that creates unexpected wealth. Unfortunately, not all innovations have positive long-term consequences, as witnessed by the

Although carriers are a little more open to the idea than they were a few years ago, trying to launch a new program is still one of the hardest things to do in the insurance business. I've talked to many frustrated people who were just