I have a CRM system where I set a task for everything - that way it keeps me on track for reaching out, following up with clients/carriers, and getting specific tasks completed.  Much of what I do with initiating contact with prospects or clients, does have to do with birthdays and anniversaries, but it also has to do with conducting account reviews, whether they be quarterly or yearly, making sure the carrier processed the paperwork and instructions sent in, etc.  Having the CRM is extremeley helpful as many times, there is a lot to do with one client's account, with multiple steps.  Any contact with a client is logged in the CRM, to stay in compliance as well as keep a running record of how the relationship is progressing.