Never mind. They got the file up, the link in the story works now.

I have had good results with DM, but I do my own. Not all that easy, but worth the effort. The key is the DM piece itself. Also, tracking is key with any advertising. In evaluating effectiveness, you must consider total ROI, not just first policy term revenue. Single line policies on average generat...

I would like to add for the PAYG issue, if they think the people are gaming the system now, wait until 'honor system' mileage reporting bites them where they sit. The only way to make it work is through electronic mileage verification or agent verification, with the latter being too cumbersome and w...

Ummmm... I think darnovak was being facetious.

Fitch released their '2011 Outlook: U.S. Property/Casualty Insurance' report yesterday and had a conference call this morning (which I missed :cry: ) but even though I am registered on their site, I can't get the sucker to download. Anyone know where else we can get it? For the curious, the Fitch pr...

Why was Mercury the almost sole backer? As with every question, follow the money. They are so competitive that they regularly eat the direct writers' & captives' lunches when given the opportunity to compete with them square up for their best clients. They did for years until they were forced to...

JAM, With all due respect, the argument that persistency should not be portable because 'if someone has a lapse in coverage they would not get it' does not hold water. Persistency discounts DO exist, rightfully so, in the form of "loyalty" discounts. People with a lapse in prior coverage a...

I love forums, always have (well, at least since the www came into existance). I used to do newsgroups, I participate in many different forums on a wide range of topics. That being said: 1) Active moderation with banning of destructive/counterproductive members/discussions. Basically, reign in overl...

What "d's" says is right on the money. Mercury currently is very hungry for growth. Not too long ago, Merc instituted a program among their agents to get their agents to refer other agents to them, then they pay the referring agent a commission or something like that. I don't recall the de...

one thing though. if a friend or relative, etc...used that person's electronic signature without their knowledge...how in the world did this happen, anyways? wouldn't you have gotten the app back from the FIRST NAMED INSURED? they are the only one with the control over the account. the insured them...

At the risk of creating another "Astonishing" thread... :lol: I have been seeing the ads for EZBuy and most of my personal lines carriers use it (though some very tenuously it seems). So I signed up (it's free) and went through their little demo and was surprised that it seems little or no...

One thing for sure, I would read every word of that contract, ESPECIALLY since they are asserting ownership of the fruits of your hard labor. And I would research, research, research... Hopefully the original post is merely a drop in the bucket of info you are gathering regarding this "opportun...

You may want to post this in the "Hard to Place Accounts" forum.

Here in CA, companies are forbidden from using credit to determine eligibility or rates. They can use it to qualify a risk for payment plan, but very few, if any, still do that (I am speaking personal lines only here). My problem with it is implementation. Without the ability to seamlessly integrate...

Your turn, darnovak, rebuttal?

BTW, I predict this topic is gonna get really heated in the next couple of years as many peoples' scores have dropped in the wake of the economic downturn.