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).
BASICS. THEORY. ARTISTS. MAKERS. GALLERY. LINKS. The oud (or ud) is one of the most popular instruments in Middle Eastern music. Its name derives from the Arabic for 'wood', and this refers to the strips of wood used to make its rounded body.In Greece it is known as the outi and in Iran as the barbat.ASICS. THEORY. ARTISTS. MAKERS. GALLERY. LINKS. The oud (or ud) is one of the most popular instruments in Middle Eastern music. Its name derives from the Arabic for 'wood', and this refers to the strips of wood used to make its rounded body.