Encompass is no longer CNA and Kemper is no longer Kemper, now owned by Unitrin. You folks need to get on ambest.com and do some free research. Neither company has any bearing or relationship to what it was in the past. Read up on Unitrin because that's what you are getting. Clearly you skimmed my ...

I worked in a firm about 15 years ago that had Kemper and I remember they are good company back then. Time may have changed things. I have been working in a firm for the past 4 years that has Encompass. They were originally owned by CNA. It is now owned by Allstate and all the email addresses for En...

1.) You can start with any one you want as long as you complete all 8. In any case, I would start with the one your will feel most comfortable with so you “ hit a home run on your first at bat ”. 2.) I did a solid hour a day. No TV, radio, kids, distractions… I did and hour early every morning while...

What would you all say are the greatest risks that an agent or broker has regarding his or her active participation in social media? A dissatisfied customer writes something unflattering on your Facebook wall or tweets about a bad claim experience. My question, once this does happen how should a si...

If 'The Farm' will not write coverage on a stated value or agreed value basis then find a carrier that will. @kevinraz- You are correct. Not every company will give you the option. However, when given the option, my advice it to take it. The cost difference is usually marginal and loss settlement i...

Technically, the insurance philosophy with regards to "Agreed Value" is that you get the amount stated in the schedule as part of the declarations page. I did pull out a couple of polices and I fail to understand how an insurance company could get away with not handing over a check for $70...

Any scheduled item, antique car, equipment, or jewelry should always be insured on a stated value or agreed value basis and not repair/replacement coverage. Simply put, you and your insurance carrier have already agreed to the value of the item before hand and there is no question to the value of th...

You can only sell their insurance products. Walks like a duck..... They market to to School Teachers here in Illlinois. For that they are known as "Teachers Insurance". Just moved a Horace Mann client to MetLife. Got them more insurance and saved them a ton of money on both their home and ...

I have been trying to tackle this one for a while. I tried calling on some brokers in Florida with the same markets that I have. I have struck out many times. I have found some luck with Lexinton Insurance through Bliss and Glennon. www.bgsurplus.com You may still need to get hooked up with Citizens...

You cannot sell hats or cars or shoes without having “product knowledge”. Learn the product and continue to know it as the industry changes. Pursuing designations is a great way to do this. You are selling insurance and not prices. Your clients will be really unhappy with the price when a claim is n...

I have been using MetLife in Illinois for many years. I have also been writing with Travelers, Hartford and Encompass. MetLife's website has been always been better than the others. The following is in reference to MetLife’s GrandProtect product. MetLife consistently introduces coverage enhancements...