Life Insurance Broker Remote Sales The Montgomery AgencyLife Insurance Broker Remote SalesAtlanta, GARemote$112,500–$130,000 / yearWe partner with the leading insurance carriers to offer our clients, Mortgage Protection, Life Insurance, Final Expense, DEBT FREE LIFE PROGRAM, Retirement Protection, Advanced Markets, Children’s Policies, Long Term Care coverage and many other avenues to secure their financial legacy. Combining our direct mail lead program with business values of trust, reliability and integrity, The Montgomery Agency is committed to ensuring your personal goals and objectives can be successfully defined and subsequently achieved over the short, medium and long term.
Senior Investment Sales Broker (Southeast) - Retail Institutional NorthmarqSenior Investment Sales Broker (Southeast) - Retail InstitutionalAtlanta, GAWith integrated expertise across debt, equity, investment sales, loan servicing, and fund management, we deliver innovative solutions tailored to each client's goals and we foster inclusive teams committed to collaboration and growth. Best-in-Class Resources - From precision-targeted marketing and tailored research to elite support staff and cutting-edge tech, we give you the tools to dominate your market.
Broker Sales Analyst Allianz SEBroker Sales AnalystAlpharetta, GA$62,884–$95,107 / yearSome of your specific responsibilities could include: Develop and maintain reports and dashboards using AI, Salesforce, Power BI, and Excel to support Distribution activities, including timely production of leading KPIs and broker analysis. You will support sales operations, broker relationships, and business development initiatives through data analysis, reporting, and cross-functional collaboration, while contributing to improvements in data quality, tools, and processes.
Associate Broker - Commercial Real Estate NorthmarqAssociate Broker - Commercial Real EstateAtlanta, GeorgiaResponsible for learning the real estate market and sub-markets of Atlanta, including getting to know brokers, title company employees, insurance agents, and others who can contribute to general market knowledge and marketing success. Timeline of the AB Program (timeline is based on the individual and MD decision):1st Year:The AB will assist the office’s lead underwriter by learning company templates, interpreting owner’s financial statements, performing rent and sales surveys, and developing pricing skills.
Sr Compliance Analyst, Broker/Dealer - REMOTE CNO Financial Group IncSr Compliance Analyst, Broker/Dealer - REMOTEAtlanta, GARemote$81,100–$121,700 / yearAssociates who live outside of a 60-mile radius of a corporate office (Carmel, Chicago, and Orlando) may perform this role full-time work from home (WFH) from any US based location, as long as you are willing to work central or eastern time zone hours. This position requires extensive knowledge and expertise with SEC, FINRA, SEC 1940 Act, State, ERISA, DOL, rules and regulations and appropriate experience of regulatory agencies and exchanges.
Wholesale Broker Assistant Ryan Specialty Holdings IncWholesale Broker AssistantAtlanta, GA$25–$31.25 / hourDifferences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. Our experienced brokers are specialized in property, casualty, professional lines, transportation and workers' compensation, providing creative solutions to retail brokerage firms.
Broker Channel Specialist Automatic Data Processing IncBroker Channel SpecialistAtlanta, GADeepen Relationships Across the ADP Family: In addition to cloud-based human resources solutions, you will strategically cross-sell with other ADP associates to cultivate additional business within existing accounts; you will make life-long friendships here. You will attend our award-winning training program and join a sales team selling human resources solutions, making employees' lives better with high-quality benefits offerings across the hire-to-retire spectrum.
Associate Broker CRC Insurance Services IncAssociate BrokerAtlanta, GAGeneral Description of Available Benefits for Eligible Employees of CRC Group: At CRC Group, we're committed to supporting every aspect of teammates' well-being physical, emotional, financial, social, and professional. Promote new business and/or renewal business to achieve production/market criteria as defined by Broker with little or no supervision.
Freight Broker Allen Lund CompanyFreight BrokerAtlanta, GeorgiaThe ideal candidate would be responsible for performing daily "check calls" on loads in transit, handling customer related issues and inquiries, and originating the necessary documentation for freight bills. Pricing Strategy: Gain up-to-date personal knowledge of market freight rates in order to determine a "fair" price to pay trucks and charge shippers.
Wholesale Broker Assistant Ryan SpecialtyWholesale Broker AssistantAtlanta, GeorgiaDifferences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. Our experienced brokers are specialized in property, casualty, professional lines, transportation and workers’ compensation, providing creative solutions to retail brokerage firms.
Senior Inside Broker - Wholesale Casualty Ryan Specialty Holdings IncSenior Inside Broker - Wholesale CasualtyAtlanta, GARemote$100,000–$125,000 / yearThis is a true execution-focused inside brokerage role-you will step into an established flow of new business and complex renewals, leveraging deep market knowledge, strong carrier relationships, and advanced negotiation skills to deliver best‑in‑class coverage solutions for retail partners. We invest in our people with long term career advancement-Ongoing market exposure / deal complexity for long‑term career growth with a clear path for increased responsibility and influence within a top‑performing team.
SP - Associate Broker CBRE Group IncSP - Associate BrokerAtlanta, GACBRE serves clients through four business segments: Advisory (leasing, sales, debt origination, mortgage serving, valuations); Building Operations & Experience (facilities management, property management, flex space & experience); Project Management (program management, project management, cost consulting); Real Estate Investments (investment management, development). CBRE Group, Inc. (NYSE:CBRE), a Fortune 500 and S&P 500 company headquartered in Dallas, is the world's largest commercial real estate services and investment firm (based on 2024 revenue).
Sr. Associate Broker Convelo Insurance GroupSr. Associate BrokerAtlanta, GARemoteConvelo is a managing general agent and wholesale broker positioned perfectly to give agents and brokers easy access to the most competitive specialty insurance products in the healthcare, senior living, non-profits, human services, and other sectors. A demonstrated habit of self-directed learning — someone who seeks out process improvements, stays ahead of industry innovations, and can translate what they learn into practical guidance or informal training for peers and junior team members.
Broker Specialist W. R. Berkley CorpBroker SpecialistAtlanta, GAThis forward-facing role is responsible for cultivating and maintaining strong relationships with assigned wholesale brokers, driving new business production, and contributing to renewal retention. Vela Insurance Services provides specialized Excess and Surplus Lines Casualty and Professional Liability insurance solutions in the following market segments: Construction, Specialty Casualty, & Professional Liability.
Associate Broker, Industrial Stream Realty Partners LPAssociate Broker, IndustrialAtlanta, GADeveloping deep submarket knowledge across Atlanta's key industrial corridors (Northeast, North Central, Northwest, I-20 West, Airport/I-85 South, I-75 South) using Stream's proprietary research platforms. 1-5 years of B2B sales, business development, or commercial real estate experience; strong candidates may come from CRE brokerage, technology sales, medical device, logistics/supply chain, or financial services.
Commercial Mortgage Broker Bisnow LLCCommercial Mortgage BrokerAtlanta, GARemote$120,000–$300,000 / yearWith a steady pipeline of company-generated opportunities, the opportunity to work your own leads, a strong digital and social media presence driving inbound activity, and an AI-powered lender matching system connecting you to thousands of capital sources, youll be positioned to execute efficiently and deliver highly competitive financing solutions. Our esteemed SelectLeaders client is a fast-growing, tech-enabled capital advisory platform seeking experienced Commercial Mortgage Brokers to join its nationwide, fully remote team.
Managing Broker - GA - (REMOTE) eXp World Holdings IncManaging Broker - GA - (REMOTE)GARemoteHow you will grab our attention Agile Flexible attitude Strong attention to detail required Excellent customer service abilities Written and verbal communication must be superb Excellent critical thinking and problem-solving skills Team player - able to complete individual tasks as well as work on a team to accomplish a goal Experience in the real estate industry strongly preferred Excellent communication skills, both written and verbal Experience in coordinating events and group activities Conflict resolution and active listening ability to assess a customers need or concerns and deliver solutions using critical and creative thinking Proficient knowledge of G Suite required Microsoft Office experience is a bonus Remote Work experience required Dedicated home office/work space Advanced Trello experience preferred Aptitude for using online platforms and softwares to work remotely If you think youd make a great match for this position but dont meet all the requirements, we would still encourage you to apply. In supporting our agents in the delivery of exceptional real estate brokerage service to their clients, this position will be assisting in all operational elements necessary to comply with the individual state license law, REALTOR association membership, and MLS participation, along with the transaction review process, compliance training, and the eXp Risk Management program.
Wholesale Broker Assistant Ryan Specialty GroupWholesale Broker AssistantAtlanta, GeorgiaDifferences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. Our experienced brokers are specialized in property, casualty, professional lines, transportation and workers' compensation, providing creative solutions to retail brokerage firms.
Broker Service Management Lead Allianz SEBroker Service Management LeadAlpharetta, GA$87,545–$132,226 / yearFrom career development and digital learning programs to international career mobility, we offer lifelong learning for our employees worldwide and an environment where innovation, delivery and empowerment are fostered. The Broker Services Lead is a key role within the Distribution Strategy & Field Operations (S&FO) team, responsible for managing and enhancing the centralized Broker Services function.
Broker Relationship Executive HR Partners Inc.Broker Relationship ExecutiveNorcross, GA$50,000–$60,000This is a true hunter role built for high-performance individuals who thrive on outbound activity, building relationships from scratch, and winning new business. HR Partners Inc. began its history as Lowden and Associates Inc. in Atlanta, Georgia, in May of 1998, as a Human Resource Consulting and Payroll Services firm.
Inside Broker CRC Insurance Services, LLCInside BrokerAtlanta, GAGeneral Description of Available Benefits for Eligible Employees of CRC Group: At CRC Group, were committed to supporting every aspect of teammates well-being - physical, emotional, financial, social, and professional. Maintain travel schedule depending on the needs of clients, Agents, and new business.
Sr Associate Broker JencapSr Associate BrokerAtlanta, GeorgiaWe are committed to fostering a work community where every colleague feels welcomed, valued, respected and heard, as we believe that that creating an environment where every employee feels included and empowered, helps us to deliver the best outcome to our clients. This Associate Broker serves as an integral member of the Multi-Lines team, assisting senior brokerage and underwriting staff by marketing, managing, and retaining a consistently growing book of wholesale business.
Freight Broker Agent Pearce Worldwide LogisticsFreight Broker AgentAtlanta, GA$50,000–$500,000Founded in 1981, we are a family-owned freight brokerage known for stability, strong operational support, and long-term agent success. If you’re ready to earn more, operate independently, and partner with a brokerage built for serious freight professionals, Pearce Worldwide Logistics is the team for you.
Senior Inside Broker – Wholesale Casualty Ryan SpecialtySenior Inside Broker – Wholesale CasualtyAtlanta, GeorgiaRemoteThis is a true execution-focused inside brokerage role—you will step into an established flow of new business and complex renewals, leveraging deep market knowledge, strong carrier relationships, and advanced negotiation skills to deliver best‑in‑class coverage solutions for retail partners. We invest in our people with long term career advancement-Ongoing market exposure / deal complexity for long‑term career growth with a clear path for increased responsibility and influence within a top‑performing team.
Vice President, National Accounts, Broker Services OTR SolutionsVice President, National Accounts, Broker ServicesRoswell, GAThis position will work hand-in-hand with the SVP of Broker Services to design attractive and customized pitches, actively travel (trade shows, F2F visits, prospecting events) to cultivate relationships, as well as build rapport to win long-term clients for the business. As Vice President, National Accounts, Broker Services you will be responsible for pursuing a portfolio of 50-100 National Accounts for Epay Manager and OTR Select, which represents the highest value brokerage prospects.
NewCustomer Success Manager,Broker Services OTR SolutionsCustomer Success Manager,Broker ServicesRoswell, GAWe are seeking a strategic and customer-focused Customer Success Manager, to lead adoption, customer support and account growth efforts for our Broker Services portfolio, including Epay Manager, back-office automation solutions, carrier payments, and related technology offerings. Work in partnership with Sales team to promote OTRs additional brokerage focused products and services and support cross-sale efforts.
Broker II, National Casualty Aon CorporationBroker II, National CasualtyAtlanta, Georgia$120,000–$164,000 / yearUtilizing risk expertise and knowledge of industry and insurance marketplace, a Broker II reviews clients’ exposures and loss experience and develops solutions for clients’ needs. The National Casualty Practice is a premier team of casualty brokerage professionals with extensive experience in representing buyers of primary and umbrella/excess liability.
Insurance Broker - Marine Lines Kuehne + Nagel International AGInsurance Broker - Marine LinesEast Point, GAAs a Marine Lines Insurance Broker, you will play a critical role in driving revenue growth by advising clients, developing new cargo insurance business, and positioning Nacora as a trusted partner for logistics and supply chain organizations. With a sales career at Nacora, a subsidiary of Kuehne+Nagel, you''ll drive long-term business success by mastering sales strategies, nurturing customer relationships and identifying new opportunities.
Production Underwriter/Broker USG Insurance ServicesProduction Underwriter/BrokerAtlanta, GeorgiaRemoteActing as a representative for either our contract or brokerage carriers, you will be responsible for soliciting, underwriting, marketing, and ultimately securing coverage for our business enterprises within the excess and surplus lines marketplace. In today's rapidly evolving business landscape, embracing cutting-edge technology is not just a choice but a necessity for staying relevant in the marketplace.
Associate Broker Ryan Specialty GroupAssociate BrokerAtlanta, GeorgiaDifferences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. • Drafts error free submissions to communicate coverage terms with underwriters under the guidance of the broker, weaving together technical insurance jargon with clear and concise client-friendly language.
Sales Manager, Broker Services OTR SolutionsSales Manager, Broker ServicesRoswell, GAThis role is focused on the daily sales strategy and GTM execution over Epay Manager, back-office automation and carrier payments offering, OTR Select, carrier capacity and rate intelligence offering, and it's industry leading working capital solutions. We are looking for a strategic and results-driven Sales Manager to lead performance, pipeline execution, and day-to-day sales activity management for our Freight Brokerage Solutions focused sales organization.
Sr. Associate Broker Signers NationalSr. Associate BrokerAtlanta, GARemoteA demonstrated habit of self-directed learning — someone who seeks out process improvements, stays ahead of industry innovations, and can translate what they learn into practical guidance or informal training for peers and junior team members. Genuine curiosity about the role of artificial intelligence and emerging technology in insurance underwriting, placement, and workflow automation — and a willingness to actively engage with new tools as Convelo continues to invest in its technology infrastructure.
Commercial Underwriter/Broker GallagherCommercial Underwriter/BrokerAlpharetta, GeorgiaThe actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. As an Underwriter/Broker, you’ll play a key role in fostering revenue growth by delivering efficient underwriting services and connecting retail agents with national markets.
Real Estate Broker/Owner Partnership Opportunity Crown Homes Real EstateReal Estate Broker/Owner Partnership OpportunityAtlanta, GAWe’ve built systems around recruiting, operations, and agent productivity that allow broker/owners to scale more efficiently, without carrying the full burden alone. We’re now having conversations with select independent brokerages to explore what alignment could look like.
Associate Broker - Commercial Real Estate NorthMarq Capital LLCAssociate Broker - Commercial Real EstateAtlanta, GAResponsible for learning the real estate market and sub-markets of Atlanta, including getting to know brokers, title company employees, insurance agents, and others who can contribute to general market knowledge and marketing success. Timeline of the AB Program (timeline is based on the individual and MD decision): 1st Year: The AB will assist the office's lead underwriter by learning company templates, interpreting owner's financial statements, performing rent and sales surveys, and developing pricing skills.
Reinsurance Broker GallagherReinsurance BrokerAtlanta, GeorgiaThe actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. As a leader, you’ll contribute to Gallagher Re’s global production strategy by joining a Product Vertical/Segment and developing thought leadership content for clients, conferences, and publications.
Senior Inside Broker - Casualty GallagherSenior Inside Broker - CasualtyAtlanta, GeorgiaThe actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities.
Assistant Broker AcrisureAssistant BrokerAtlanta, GeorgiaStrong verbal communication skills, administrative or general office writing skills, Microsoft Office skills, organization, and attention to detail, analyzing information, professionalism, problem solving. To Executive Search Firms & Staffing Agencies: Acrisure does not accept unsolicited resumes from any agencies that have not signed a mutual service agreement.
Senior Inside Broker - Wholesale Casualty Ryan Specialty GroupSenior Inside Broker - Wholesale CasualtyAtlanta, GeorgiaRemoteThis is a true execution-focused inside brokerage role-you will step into an established flow of new business and complex renewals, leveraging deep market knowledge, strong carrier relationships, and advanced negotiation skills to deliver best-in-class coverage solutions for retail partners. We invest in our people with long term career advancement-Ongoing market exposure / deal complexity for long-term career growth with a clear path for increased responsibility and influence within a top-performing team.
Senior Broker - Construction Willis Towers Watson PLCSenior Broker - ConstructionAtlanta, GA$200,000–$250,000 / yearBroker oversees day-to-day placement and broking responsibilities for North American Construction accounts including new business development; develops business relationships with retail producers and markets; negotiates with underwriters regarding coverage terms, conditions and pricing on new and existing programs; evaluates quotes, prepares marketing reports for distribution; assists regional teams with RFP and new business proposal development, and performs other duties as assigned. WTW provides a competitive benefit package which includes the following (eligibility requirements apply): Health and Welfare Benefits: Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Group Accident, Group Critical Illness, Life Insurance, AD&D, Group Legal, Identify Theft Protection, Wellbeing Program and Work/Life Resources (including Employee Assistance Program).
Director, Strategic Broker Partnerships BambooHR LLCDirector, Strategic Broker PartnershipsGARemoteThe ideal candidate brings deep HCM expertise, strong broker ecosystem experience, operational rigor, and the executive presence to influence both internally and externally at the highest levels. You'll lead both strategy and execution, partnering cross-functionally across Sales, Marketing, Product, and Operations while building a scalable team and broker program from the ground up.
Broker - Builders Risk Willis Towers Watson PLCBroker - Builders RiskAtlanta, GAWTW provides a competitive benefit package which includes the following (eligibility requirements apply): Health and Welfare Benefits: Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Group Accident, Group Critical Illness, Life Insurance, AD&D, Group Legal, Identify Theft Protection, Wellbeing Program and Work/Life Resources (including Employee Assistance Program). They advise Producers and other colleagues on the design of complex risk management programs for clients; present hard-to-place submissions to carriers, negotiate to secure coverage that meets client needs, oversee preparation of client proposals and maintain strong relationships with key carriers.
NewBroker Specialist BerkleyBroker SpecialistAtlanta, GeorgiaThis forward-facing role is responsible for cultivating and maintaining strong relationships with assigned wholesale brokers, driving new business production, and contributing to renewal retention. Responsibilities: Vela Insurance Services provides specialized Excess and Surplus Lines Casualty and Professional Liability insurance solutions in the following market segments: Construction, Specialty Casualty, & Professional Liability.
Senior Broker Specialist/Underwriter - Construction BerkleySenior Broker Specialist/Underwriter - ConstructionAtlanta, GeorgiaAs a Broker Specialist / Construction Underwriter, you’ll act as both a trusted underwriting expert and a strategic partner to wholesale brokers—driving profitable new business, influencing product direction, and representing the company in the marketplace. Vela Insurance Services provides specialized Excess and Surplus Lines Casualty and Professional Liability insurance solutions in the following market segments: Construction, Specialty Casualty, & Professional Liability.
Hiring Remote Insurance Brokers The Edelson AgencyHiring Remote Insurance BrokersBuford, GARemote$70,000–$90,000Responsibilities include assessing client needs, recommending policies, managing applications, and providing ongoing support with claims and renewals. We are Seeking a motivated Insurance Broker to help clients find the right insurance coverage.
Senior Broker - Builders Risk Willis Towers Watson PLCSenior Broker - Builders RiskAtlanta, GACompany Benefits WTW provides a competitive benefit package which includes the following (eligibility requirements apply): Health and Welfare Benefits: • Medical (including prescription coverage) • Dental • Vision • Health Savings Account • Commuter Account • Health Care and Dependent Care Flexible Spending Accounts • Group Accident • Group Critical Illness • Life Insurance • AD&D • Group Legal • Identify Theft Protection • Wellbeing Program and Work/Life Resources (including Employee Assistance Program). • Broking communication efforts by e-mail, telephone, and written correspondence with underwriters and producers • Obtains and distributes information from client and/or producing office • Assists or may lead front end sales/RFP efforts for Builder's Risk sales leads • Prepares/oversees creation of proposals, submissions and quotes • Responsible for running and interpreting financial analytical models • Evaluates and develops coverage confirmation for review • Reviews binders for accuracy and completeness.
AVP Broker, ProEx Cyber Hub International LtdAVP Broker, ProEx CyberMarietta, GAYour impact as an Assistant Vice President will be directly tied to you meeting the following expectations: • Be responsive • Be proactive • Efficiently manage tasks assigned to you to ensure that they are completed on or before the deadline • Demonstrate your ability to present professionally in all elements of client facing (internal and external) including technical writing and verbal presentations • Be seen by internal and external clients as a trusted advisor in all elements of Network Security and Privacy Liability, Technology Errors & Omissions, Media Liability, Miscellaneous Professional Liability and HUB resources • Service clients throughout the full insurance brokerage deal flow process • Retain clients; expand book of business by building relationships with prospects and producers • Be efficient in client deliverables and ensure that all content is accurate and professional • Demonstrate expertise in comparison and analysis of insurance policies and determination of needed enhancements to accomplish objectives, solve problems and identify business opportunities • Demonstrate ability to consistently review terms and conditions to ensure consistency with expiring wording and enhancement year-over-year • Be knowledgeable in ProEx policies, procedures and documents • Be knowledgeable about the value proposition of HUB's South Region ProEx team. • Effectively securing quotes, binders and policies and seeking corrections as needed; • Compiling Renewal Proposal documents inclusive of renewal highlights, expiring program, renewal program, program changes, coverage enhancements; • Submitting bind order to market and securing binder in a timely manner reviewing for accuracy and ensuring that there are no subjectivities, expiration dates, etc.
Broker II, National Casualty Aon PlcBroker II, National CasualtyAtlanta, GA$125,000–$185,000 / yearEngages with National Casualty Practice leadership in product innovation and creative solutions for clients Works closely with account executives, producers, and client teams to support client retention and new business production. Creates quote comparisons that include identification of: differences against expiring, coverage trigger (occurrence, claims made, occurrence reported), surplus lines or admitted, auditable or non-auditable, exclusions, non-concurrencies, subjectivities, and etc.
Primary Casualty, Broker Aon PlcPrimary Casualty, BrokerAtlanta, GA$75,000–$115,000 / yearA strong team player who understands the roles and responsibilities of other Aon professionals on the team, assumes responsibility for the timely delivery of a professional work product in accordance with assigned roles, and facilitates communication among team members. Primary Casualty, Broker The National Casualty Practice is a premier team of casualty brokerage professionals with extensive experience in representing buyers of primary and umbrella/excess liability.
Broker Director American International Group Inc (AIG)Broker DirectorAtlanta, GAWork closely with both Distribution (other Broker Directors, Client Directors, Broker & Market leadership, Wholesale & Alternative distribution) and Business Unit leaders to establish a comprehensive grasp of the portfolio, opportunities and target accounts with assigned brokers. Tasked with driving the financial results and managing assigned retail brokers within a market, the Broker Director will create clear goals that are defined and designed to: Promote profitable growth and/or retention and expand desired mix of business.