A successful insurance enterprise requires a flow of potential underwriting opportunities. The ability to grow and remain profitable incorporates the assumption that only a portion of the business considered will qualify under your chosen selection criteria and an even lesser quantity will accept the terms offered by the underwriter. The flow needed to achieve growth goals increases in direct and inverse proportion to the restrictions imposed in the underwriting process. Whatever the goal, the flow only results from activities that communicate the availability and cost effectiveness of coverage.

Market forces can play a large role in the net results of marketing efforts. The achievement of production and profitability goals can be difficult during soft market conditions because of increased availability and pricing pressures. The test of any marketing operation is whether it can hit its numbers during these times. Empire Pacific has established an unmatched track record of profitable growth during a declining market in Oregon.

Our distribution model includes both direct and indirect sales. We have a direct sales operation that deals with the premium payer face-to-face. Plus, we have a network of select and contracted agents throughout the state. It is this unusual combination that has driven the Company's growth since its inception and the value that we bring to our clients/insurers. Empire Pacific has an established reputation for being honest, upfront and responsive to both the independent agency system and direct purchasing communities.

The acquisition costs associated with establishing a foothold in the Oregon market have long been paid. Our distribution mechanism continues to grow in efficiencies. What with the recent market constriction, Empire Pacific is positioned to offer unparalleled advantage to those organizations with premium plans for the Pacific Northwest.