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).
Buyers from the Middle East snap up agarwood chips in Bangkok at a fraction of the price they would have to pay in Dubai, Abu Dhabi, or Riyadh. There, oud is one of the most expensive perfume ingredients known to the human nose.Traditionally used in incense chips burned in mosques, and employed sparingly as an aromatic oil on the body, oud has enjoyed a uniquely precious prestige in the Islamic world for centuries.n aquilaria the defensive resin in the heartwood is where oud comes from, and experts prize above all the very old trees, claiming that the resin has an unparalleled complexity and richness of aroma. But such trees are becoming scarce.