Which of the following cost line items would be a fixed cost?
a) Commissions to Salespeople
b) Rent
c) Raw Materials
d) Packaging
e) Shipping/Delivery Charges
According to the GHM Theory, the choice between an in-house sales force versus
independent agents should turn on the relative importance of investments in developing
persistent clients by the agent versus list-building activities by the insurance firm. What
would GHM thus predict about the sales of whole life versus term life insurance?
a) Both would be sold by the insurance company’s in-house sales force
b) Whole life would be sold by the insurance company’s in-house sales force; term by
an independent agent
c) Whole life would be sold by an independent agent; term by the insurance company’s
in-house sales force
d) Both would be sold by an independent agent
e) An insurance company would try to “buy” the business (whole and term life
insurance) of its independent agents