Many insurance advisors see the holiday season as an opportunity to bolster client relationships with a greeting card or even a small gift. It's the same this year — even as the coronavirus pandemic has made this holiday season different from any in living memory. Providing clients personalized service has become increasingly important in the competition for new relationships and certainly to clients themselves. According to Deloitte, this year's holiday retail sales should increase between 1% and 1.5%, amounting to between $1.147 trillion and $1.152 trillion during the November-to-January period, compared with growth of 4.1% in 2019, when sales were nearly $1.14 trillion. However, insurance agents and brokers have to make sure that they are not violating state anti-rebating laws when gift-giving to clients this season. Click through the slideshow above for 10 fun and creative client gift ideas — all under $100. Related: 

• Ensuring your clients' holidays stay merry and bright
• How to plan a fun (and safe) holiday party '2020 style'
• 5 tips to avoid last-minute holiday shopping risks