Introduction
The Midwest Risk Management company has been selling personal lines of insurance, such as life, accident, and health coverage since 1987. Douglas Powell, since 1995 is the sales manager of Midwest looking after the southern district sales. The vice president of marketing has announced his intentions to expand the product line to the professional liability market concentrating on lawyers and CPAs since these professionals need protection from lawsuits by clients. And Doug has been instructed to use five salespeople out of twenty-five from his team to start the professional liability market in his area and his team has to achieve 10 percent penetration.