Hello everyone, Hope your new year will be a very good one all around. I have almost three decades of successful marketing and business experience and my education was in the same fields too where I received my B.S. from Univ. of Maryland. Now I am looking into starting a P&C and a Life and Health, independent agency. Can any of the good people on this site that have experience in that area offer any concrete suggestions? I am interested to target the small to medium size businesses and I would like to be appointed by a few companies in those fields that are strong in servicing those target markets. Furthermore, I would like to know which top companies you recommend to be contacted first in order to put together a top portfolio of products to offer to the target market? Thank you very much for your help.