Ask yourself this very question, who keeps you in the insurance business? The correct answer is your clients. Therefore you should buy your clients small gifts to show your appreciation.
I am not telling you to buy your clients diamonds and pearls. If you are licensed with the NASD, you may not be allowed to buy a gift in excess of $100. Nevertheless, you should get your clients something for doing business with you. However some of your clients may not celebrate the holidays or birthdays; so you do not want to offend them.
It is important to make your clients feel valued. They allow you to enjoy many of the spoils including your home or car. So make sure you are honor your clients with a little something that says you care.
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