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).
An organic light-emitting diode (OLED) is a light-emitting diode (LED) in which the emissive electroluminescent layer is a film of organic compound that emits light in response to an electric current. This layer of organic semiconductor is situated between two electrodes; typically, at least one of these electrodes is transparent.