I was a Farmers agent from 93-98 and I have a few positive comments:
1 Great training. Had an excellent DM at first, Chuck Marshall. He stressed excellence, knowledge & salesmanship. Training in KC RO was also very good - useage of products, how to sell life, positioning statement, etc. Lessons learned then still serve me know even though I'm an underwriter.
2 Good personal lines products, at least at the time.
3 Flexible underwriter, again at least at the time. Example: I had an "in" at a local college. Wrote several auto accounts and got students into better tiers by writing auto & a low limit term life policy, only worked if they had clean records. Cost of FIG auto + term life policy was cheaper than competitors auto, helped me with auto & life count.
4 At least in my territory 30/60 was unbeatable. I knew that if I could get in to a house that qualified (ages 25-69, more than 1 car, owned the house, clean records & no claims) that I almost always won on price. Hardest part was finding qualified prospects, once I got in the house I felt pretty confident. Had one week where I wrote 22 new business policies on 9 NB appts, all because those 30/60 rates were great.
5 Home product was very good with lots of good endorsements. Sold a fair amount of teachers liability, sewer backup, etc.
6 Claims payment, at least at the time, was pretty good, cannot remember one complaint about claims.
7 Pretty low cost renters policy, good for 5 fire policy count. Still remember writing my first policy, was for a renter, did it on the paper form (huge, probably 17x11), took me almost 40 hours and 3 visits with the client to do it all. Thankful for an understanding first client...
The negatives overwhelmed the positives and left in 98. I don't regret the time with FIG, don't regret leaving either.
Kevin Rasmussen AU, CIC