"Though this be madness, yet there is method in it" -William Shakespeare. As an Insurance Agent, most of the referrals I make are through various conversations that I make either while I'm at a meeting with a client or various people that I met at a networking event. These conversations are not one and done then BAM I got a referral. My idea for either receiving or giving referrals are wrap around building relationships and mutual trust. During casual conversations that I make with people, I always tend to ask them if they were interested in learning about what they need from people I trust. When I have someone I know who may be a good fit for one of my teammates, I let them know either formally or other communication means depending on the urgency.