Posted On: February 21, 2007, 2:08 pm CST

Posted By: KIM DAVID

You Are a part of the Problem because you are an INSURANCE AGENT. Without Doubt!

You are covering for the Industry because you make a good living off of Your Clients.
It is fair to say that you would need the trust of a Homeowner, if you want their business but the truth is your loyalty is to the Insurer and not the Insured.

Have you ever heard of this saying,
Ignorance of Insured-Insurance Best Friend

Do you explain the benefits to the proposed insured or even try to explain ?
Do you explain the exclusions too?

Do you offer various Rates for
Optional Hurricane Deductibles in a policy that does not provide Hurricane Insurance?
How do you explain this to your Client?
A policy without coverage?

The Original Defination of Insurance is a sum of money that is paid to financially guarantee something of value.
The reason why the Industry is one of the largest in the USA.

We, the working Americans have put you up there, don't think we can't watch you fall down. We can replace you by becomming Self-Insured or allowing FEMA to sell disaster insurance.

Can you admit to calculating exclusions?
Can you admit to loopholes that are written into the policy to exclude coverage from the Insured but provide financial gain to the Insurer?

Can you admit that it is impossible to have a hurricane without wind & water in a coastal area?

Can you admit that Agents do not explain the policy to the Insured?
If they did, not one policy would be sold.

Can you admit that the purpose of the loopholes & policy exclusions are well calculated ways to prevent the Insured from collecting benefits?

Can You Admnit that the Insurer wants to collect premiums with Annual Rate Increases?
Can you admit the Insurer has calculated many ways to prevent providing financial protection to the Insured and they will usually force the Insured into litigation in order for them to collect what they paid you for in the first place?

Why did State Farm Settle in Misssissippi?
Were they hiding something?
Did they deceive their own?
Are they Innocent?
Did any one of their Agents even try to offer living expenses to their clients during the worst natural disaster in American History?
As far as I know, the only people that were schooled by their Agent were family/ friends of the Agent.

Did the Agent Follow Company Policy or did the Agent just avoid assisting their clients when strangers flew to our aide?

The Industry needs reform & regulation,
and that sir, is the truth!

Always Guaranteed, Annual Rate Increases
but Always find ways to deny claims.

State Farm was finally challenged by a hand full of Elected Politicians.
That was history and then they won.
State Farm Setteled. Why?
What were they afraid of?

Now they only want the cream of the crop but they don't want reform.

It's not about ego, it's about right & wrong. We are the American People, living in the USA. If you cannot provide fair policy go sell your policy in Iraq
where you will not be able to settle in or out of US COURTS.