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Most brokers prefer to use our standard proposal, but we advise each agent to create their own customized quote template. Individualized templates allow agents to present the information that best suits their customers. Important elements to include are the percentage of debits and credits, as well as net rates that reflect applicable discounts. An example of a work comp proposal has been shared in the chat for use in your office. Additionally, payment instructions are vital: work comp premiums are due upfront, as these policies cannot be financed. Work comp policies are billed directly to the insured, rather than through agency billing.