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Most brokers prefer to use a standard proposal for presenting to interns, but it's recommended that each agent creates their own customized quote template tailored to their presentation style and the information relevant to the customer. Important elements to include in the template are the percentage of debits and credits, along with net rates that reflect applicable discounts. An example of a work comp proposal is provided in the chat for reference. Additionally, it's important to note that work comp premiums are due directly and cannot be financed; work comp policies are always direct bill, not agency bill.
