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 Oud Instrument. In the Arab origin, Oud is considered to be âthe king of instrumentsâ. It is assumed that the name al-oud is derived from the Arabic for âthe woodâ and came to Europe through North Africa.There will be nothing wrong to say that in Arab, the oud is considered to be the oldest musical instruments.he Oud Instrument. In the Arab origin, Oud is considered to be âthe king of instrumentsâ. It is assumed that the name al-oud is derived from the Arabic for âthe woodâ and came to Europe through North Africa. There will be nothing wrong to say that in Arab, the oud is considered to be the oldest musical instruments.