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).
Goad [N] [S] (Heb. malmad, only in Judges 3: : 31 ), an instrument used by ploughmen for guiding their oxen. Shamgar slew six hundred Philistines with an ox-goad. The goad is a formidable weapon. It is sometimes ten feet long, and has a sharp point. In 1 Samuel 13:21 , a different Hebrew word is used, dorban , meaning something pointed.