The study explains that many insurance carriers are establishing direct sales departments, but that independent agents are increasing their share of revenue by the year. In 2013, Medigap independent agent revenue was at 59%; in 2014 65%, and 67% in 2015.
The oud is a pear-shaped, stringed instrument similar to a lute used in traditional Middle Eastern music and East African music. The words lute and oud are both derived from Arabic Ø§ÙØ¹ÙØ¯ (al-Ê¿Å«d, literally the wood).he oud is a pear-shaped, stringed instrument similar to a lute used in traditional Middle Eastern music and East African music. The words lute and oud are both derived from Arabic Ø§ÙØ¹ÙØ¯ (al-Ê¿Å«d, literally the wood).
The Signature OLED is gorgeously designed, with a display bonded onto a big slim sheet of glass and an articulating 4.2-channel Harman/Kardon speaker base with that pumps out 80 watts. You flip it down when you mount the TV on the wall, and use it as a pedestal base when itâs resting on your entertainment center.