All one needs to do is take 15 minutes to save 15%, right? The average savings is $496 per year on the average customer, right? Oops! We need to raise rates because our actuarial model is off and we have been underwriting without running reports and some of these people are eating our lunch.
SW, they had their model set to have big growth. Now that their results have been declining, they will raise rates and hope the others will raise theirs so they will still be lower.
please explain how you know what Geico’s actuarial models actually are. they not made public, correct? For bonus points, do not insult actuaries in your reply!
Confused, do you ever watch insurance ads or do you just troll on this blog all the time? How about Flo saying to a potential customer – pick your own price? Does that resonate with you? Do you think it is deceptive advertising like most of us do?
that was not trolling. why don’t you educate yourself and learn the meaning of that word before you use it again?
as for flo – that is not deceptive advertising.
you can actually pick your own price, correct?
they aren’t guaranteeing you’ll have the same exact coverage when you pick your price, do they?
August 11, 2015 at 5:46 pm
Agent says:
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Wrong, you can’t pick your price for coverage. The deceptive part is her saying that for the low information buyer. You can pick a price if you want substandard coverage and the low information people will pick the lowest one every time and then wonder why they didn’t have coverage when the accident happens. Do they sue Flo when they find out she has misled them?
If Mazda came out with a “pick your own price” for a new car lease, do you really think the average American will think “Hmm, I could pay $200 a month or I could pay $800 a month. I’ll pay $200 and expect my car to have a navigation system, the souped-up engine, panoramic sunroof and all the accident avoidance features available on the market today?
Or do you think most people will realize “Hmm. I pay more, I get more. I pay less, I get less”?
Now you’ve got me curious. If we could use html, that would be awesome.
Testing bold Testing italics,
August 14, 2015 at 11:18 am
BS says:
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Well, hot damn!!! :)
August 14, 2015 at 11:22 am
Rosenblatt says:
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So that reallydoes work?
August 14, 2015 at 11:32 am
BS says:
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It would appear so. :)
This will make it so much easier to reference someone’s quote when responding to them.
August 14, 2015 at 12:03 pm
KY jw says:
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Here you go!
bold text: …
italic text: …
underline text: … underline
strike text: …strike
I’m not sure what these do:
exact spacing: …
blockquote:
…
paragraph: …
•spoiler: …
August 14, 2015 at 12:09 pm
KY jw says:
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Messed that all up. Trying again. I’ve added a space in the brackets, that has to be removed to actually use the function. Oh, and you can combine things, too!
Not entirely sure what these do:
exact spacing: …
blockquote:
…
paragraph: …
spoiler: …
August 14, 2015 at 12:12 pm
KY jw says:
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Well, phooey. Underline doesn’t work. And just putting a space in doesn’t work to show the html. So, blah. I think I’m giving up. Sorry for polluting this comment section all to bits. ;)
August 11, 2015 at 1:15 pm
Joshua says:
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Personally I think companies should do what’s best for their pockets, at the End of the day the only way the carriers can continue giving coverage to people and absorbing the claims is unfortunately increasing the rates. If we didn’t have so much Insurance Fraud and everyone going “SUE” happy then naturally Everyone would be winning. I encourage a rate increase if that’s what needs to be done because I’m sure no one wants to be with a NON-Standard insurance company because a Standard Carrier went out of business for listening to consumers. They have to look out for the greater good in my opinion.
Terrible comparison Confused between Insurance and Cars. Apparently, you don’t think that companies use rating systems to rate drivers for the premium. If done properly and honestly, the customer gets the premium they deserve, not what Flo does to mislead people to think Progressive is so wonderful that the customer can merely pick their own price. How dishonest is it that Allstate is raising premiums on good loss free customers under their Price Optimization scheme? Yes, it is a scheme and thought up by people like Ron to gouge the customer and in many cases run them off. Is it good business practice to offer lower rates to new business while raising rates to loyal, long term customers who pay their bill, don’t have claims?
that’s what i thought. i also thought the majority of americans understand that concept and it shapes their purchasing decisions.
August 13, 2015 at 11:46 am
Agent says:
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It is accurate to sum up that the agent gets blamed for the bad insurance purchasing decisions of the public. They can sign a declination form on U/M, PIP or lower limits and when the accident happens, it is all the agents fault and they say they didn’t know what they were signing after it was explained to them. Do you think Flo gets sued? How about Warren Buffet when GEICO sells a substandard policy?
Yes agents get blamed for bad insurance purchasing decisions of the public if they were involved and did not do their due diligence. do i think flo gets sued, no, she is a fictional character. what about buffet – what is the question there?
now i ask of you again Agent, is it accurate to sum up your position that people who ‘name their own price’ no longer believe in the idiom of “you get what you pay for”?
August 13, 2015 at 3:19 pm
Agent says:
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In case you didn’t notice it, but Flo is the official spokesperson of the company, not a fictional character. They let her give all the misleading, deceptive ads for the company so the low information people like you can get suckered in. Another lesson, Warren Buffet is the big dog 1%’er who controls Berkshire Hathaway and GEICO. Wouldn’t it be fun to see him taken to task for what his company puts out? I wouldn’t mind because he is an Obama supporter and has reaped benefits from the association.
are you trolling me? you really think flo is NOT a fictional character? do you even know what fictional means?
fictional characters can be spokespeople. Aunt Jemima and Mayhem are fictional characters who are also spokespeople.
Flo is a fictional character played by Stephanie Courtney. you can’t sue Flo, she’s not real. what’s flo’s social security number? how much does she pay in taxes? you can’t answer those because she’s not a real person.
seriously – are you actually trying to argue that flo is a real person or was that just a typo?
You do realize that Price Optimization is pure capitalism, right? Allstate, while I am personally against the practice, is only trying to maximize their profits. Isn’t that what a corporation is supposed to do?
Actually Ron, we all know you are a Progressive and you have proved it for the past 3-4 years in spades. You were the one who was in favor of actuarial higher prices for consumers even if it was not warranted because the model said so. When the Board saw business going away like Travelers did, they finally saw the light and came out with a new program. Actuarial wisdom is in short supply with a lot of companies. You also said arrogantly that companies do not listen to agents, also a blatant lie. I get at least 3 surveys a week from different markets asking me what they do best and what they need to work on. Amazing, they are listening now. We also have visits from marketing as well instead of them sitting in their ivory tower wondering what is going on. By the way, Price Optimization is not Capitalism. It is just a scheme thought up by someone like you to rip off customers.
We all know that have very little knowledge about insurance pricing and that you THINK companies make decisions based off of agent feedback.
I do not recall saying that insurance companies do not listen to agents. If I did, I apologize. What I believe I said and/or meant to say is that companies do not make decisions solely based on agent feedback. I have been in board rooms when decisions are made. Agent feedback is discussed, but no decision is made unless a cost/benefit analysis or profitability model shows that it will increase profits, period.
All you really know about insurance is how to sell it.
Please provide evidence that I, “…was in favor of actuarial higher prices for consumers even if it was not warranted because the model said so.” Everything in the model is warranted. Otherwise, nobody would use them.
I am AGAINST Price Optimization because that is does call for pricing not based on the risk, but profit maximization (Pure Capitalism).
August 13, 2015 at 11:51 am
Agent says:
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Actually Ron, you arrogantly said that companies don’t listen to agents on insurance pricing. Completely wrong since we have noticed several of our companies taking note and making adjustments after conferring with us. It takes some longer than others to realize their bottom line is hurting due to not putting new business on the books and agents book rolling to better markets, but eventually they get the message.
Do you honestly believe that insurance companies just alter pricing because agents are complaining? I would love to see a rate filing where, instead of data, the justification is, “Our agents requested that we lower our rates”. And you call me arrogant.
You said, “It takes some longer than others to realize their bottom line is hurting due to not putting new business on the books and agents book rolling to better markets, but eventually they get the message.” First, they all know exactly the health of their bottom lines all of the time. Second, the reason it takes so long is because they need to run all pricing decisions through actuaries, get approval from the state(s), then update their internal rating algorithms.
You are so incredibly naive when it comes to insurance pricing, yet you try to speak from a position of expertise. You never worked for an insurance company in product management, actuarial, or as an executive.
August 13, 2015 at 12:12 pm
SWFL Agent says:
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Agent, companies do not implement rate changes based on agent feedback. Most PM’s don’t listen to their field personnel on this issue, much less an agent. If a company has changed rates after conferring with you or any other agent then it’s solely a coincidence and the PM or sales rep is giving you credit or recognition for something that was already planned. On the very rare occasion, an agent or sales rep may have the PM take a more thorough look at territories or zips where the data is thin. That’s about the extent of an agent’s influence.
August 13, 2015 at 12:17 pm
Agent says:
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So Ron, I see you are still your arrogant self thinking you are so smart sitting their in your cubicle spouting off about dumb actuaries who rule the roost on insurance pricing for companies. Tell me, if actuaries are so smart, how come they get it wrong so often in the marketplace? Why does it take agents telling them from all parts of the country that they are off on their rates to get the message through? If a company asks me in online surveys or in person what I think of their rates or why they are not writing business or renewing business, I am going to tell them, show them quotes we have done, show them renewals. Their eyes get pretty big sometime since they were under the impression that their actuaries had it right.
Ron apologized to you for mis-speaking and explained he meant to say that carriers do not SOLELY listen to agents. Instead of acknowledging that and accepting his apology, you attack him for being arrogant for saying that in the first place – but he had already apologized for saying that in the first place and explained what he really meant.
What is wrong with you? Can’t you just say “thank you for saying you were wrong and that carriers do listen to agents” or must you always insult at ever opportunity?
Facts:
1. I know more about insurance pricing than you because I have experience, as a product manager, making pricing decisions and working with state regulators, actuaries and company executives.
2. You have zero experience in pricing insurance.
Do I ever say anything about how to run an agency? No. I defer to you as the expert. You should reciprocate when it comes to insurance pricing. It is called being professional.
You asked, “Tell me, if actuaries are so smart, how come they get it wrong so often in the marketplace?” Simple, that is not their goal. Their goal is to make recommendations in pricing based on data and profitability. If prices are wrong, it is likely due to an executive whose market strategy does not mesh with the actuarial results or was listening to agents for pricing advice.
August 13, 2015 at 8:48 am
Toni says:
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Letting someone who does not know a lot about insurance pick the coverage they want does make good sense. When a claim does happen and they do not have enough insurance to cover the damages they cause, who do you think they are going to blame. They will blame the insurance agent that sold the insurance to them. So I think it is the insurance agents responsibility to fully educate the client in worse case. Show options to give good coverage, should something happen to them. And let the client decide. If he decides to take the minimum coverage after being educated about what could happen. Then I know I did what was right and document our conversation.
Thank you Rosenblatt for sticking your nose into someone else’s conversation. You recognize Ron’s selective memory of not remembering what he said. By the way, I never said that companies adjust their pricing “solely” on agent feedback, but they do get an earful when they survey me(which is often)and I look them right in the eye when they are in my office and tell them where they are going wrong. Apparently, the info does get passed back to the powers that be. One rep apologized to me personally for the errors made at the company level and pledged to get something done. He did and they improved since then.
Great, so you and Ron both agree carriers listen to agent’s but do not rely solely on agent feedback when adjusting rates.
There was no need for you to insult him when you two are saying the same thing and you agree with each other. That’s all I’m saying.
“You recognize Ron’s selective memory of not remembering what he said” False. RON recognized he may have misspoken before and that’s why he apologized explaining what he really meant.
August 13, 2015 at 5:15 pm
Agent says:
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Confused, I am not trolling you, just correcting your depiction of Flo. She makes big money learning her script from Progressive and yes she is the face of Progressive, even if she is getting a bit long in the tooth. I will admit she is cheerful putting out those garbage deceptive, misleading ads. She is laughing all the way to the bank. She is a true 1%’er I am sure.
If you are not trolling me Agent, that means you honestly believe Flo is NOT a fictional character. That is absurd. You can’t really be this dumb, can you?
Progressive pays Flo $0 a year. THE NONFICTIONAL ACTRESS WHO PLAYS FLO gets paid for her acting work. Flo is not real.
I can’t believe you’re sincerely arguing this point.
August 14, 2015 at 5:50 pm
Agent says:
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Ron, you are sounding like a retard from Buffalo who wouldn’t know Captitalism from Socialism if it hit him up the side of his head. Your track record continues unabated. Go see a shrink for your affliction.
Individual customers have different coverage needs based on their specific situations. PGR’s Flo is just merely pointing this out by allowing a prospect to pick a coverage option with the corresponding price. I don’t care much for it but let’s face it, many agents have helped PGR’s cause by placing prior limit, proof of prior, etc. limitations/guidelines on the new business they write. May be a good business decision from an agency perspective but companies won’t follow.
Well SW, you are right that Progressive and Allstate won’t follow and Farmers is not far behind. Gee, there must be a reason why Allstate & Farmers agents want out of their captive contract. Allstate agents even formed a guild/union to deal with management on issues.
Great Rosenblatt, it is fine for Ron to insult me for years and tell me I don’t know the insurance business. You can’t abide me insulting back to him. He is clearly not sorry for his insults. He proves it every article on this blog. Stop defending him. That is one Progressive looking out for the other. I don’t believe either one of you ever have sold a Personal Lines policy or had to look eyeball to eyeball to a customer and try to explain a big rate increase on Home & Auto with no apparent reason. I also don’t think you have done any re-marketing to other carriers to find a better solution and hoping their algorithms are better than the big rate increase carrier.
Ron once admitted that he tried sales for a short while and found out it wasn’t his cup of tea. I wonder why since he has such a sparkling personality. Sales Manager to Ron: Ron, we noticed you haven’t sold anything. What seems to be the problem? Ron to Sales Manager: They just don’t understand algorithms and the necessity to raise their rates so they walk out on me.
Aaaaaaaaaand you totally missed my point once again. It’s like you don’t even bother to read what’s been typed and just reply with anger picking nonsense out of thin air.
Why am I bothering trying to discuss things rationally with you? You don’t even know the difference fictional and non-fictional people yet! Flo isn’t a fictional character you say. I can’t even wrap my head around your idiocy right now. I can get my 4 year old niece to teach you the fiction and non-fiction you’d like.
August 13, 2015 at 4:12 pm
Rosenblatt says:
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Last sentence should’ve read: I can get my 4 year old niece to teach you the *difference between* fiction and non-fiction *if* you’d like.
It is called self awareness, of which you have none. You believe that you are perfect.
You said, “I don’t believe either one of you ever have sold a Personal Lines policy or had to look eyeball to eyeball to a customer and try to explain a big rate increase on Home & Auto with no apparent reason. I also don’t think you have done any re-marketing to other carriers to find a better solution and hoping their algorithms are better than the big rate increase carrier.” Wrong on all counts.
If you recall, I also stated that I was a top producer for the agency I worked. Just because I did not enjoy or feel I fit in a particular job function, does not mean I was not successful.
You complain about being insulted, but refuse to accept the multiple olive branches I have extended nor refrained from throwing out insults yourself. In addition, when I do apologize or admit that I am wrong, you continue to lob insults at me. Why?
August 13, 2015 at 5:19 pm
Agent says:
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Rosenblatt, I can get my grand daughter to explain why Dolphins are not the same as people to you if you like.
Deal – I’ll listen to her explain that if you’re willing to accept that Flo IS a fictional character. She is not a real person – she gets paid no income, doesn’t pay taxes, never has to serve jury duty, can’t be sued, etc. She is like Ronald McDonald – a fake spokesperson played by an actor/actress. Agreed?
Rosenblatt, I don’t care if Flo is an actress reading lines, has a different real name or not. Progressive is putting her in front of the American people as their spokesperson doing deceptive/dishonest ads proclaiming how wonderful they are. I have Progressive for troubled drivers and the last time their rep was in my office I asked him why they do these things. He grinned sheepishly and said he didn’t like them either, but the powers that be thought differently so it is what it is.
Gotcha – you don’t care that you were sincerely arguing that Flo is not a fictional character and that someone pointed out to you how wrong you were about facts. I get why you wouldn’t admit your error – you never do.
Progressive is not being dishonest with their ad’s. All they claim is that you can pick your price, which you can. It’s not like they’re saying “pick your price and be fully covered” – that would be dishonest.
Wouldn’t you put blame on the people who actually believe “If I pay as little as possible, I’m sure I’ll be fully covered no matter what!” After all, as Confused wrote above – you get what you pay for, right??
Fake advertising by an actress reading a line to deceive the public. They are like the fake “Progressive” government we have who lies about almost everything to gain an advantage.
New bulletin for the unbelievers! On Property Casualty 360 is a story of GEICO getting caught in California after its online price quotes misrepresented some coverage as the cheapest option available. They were basing the quote on education level, occupation and gender and then would tell the customer that BI limits of 100/300 were the cheapest available even though the minimum limit in California was $15/30 BI. GEICO agreed to pay a fine of $6 million and they could have to pay an additional $6 million if they don’t correct their system.
All one needs to do is take 15 minutes to save 15%, right? The average savings is $496 per year on the average customer, right? Oops! We need to raise rates because our actuarial model is off and we have been underwriting without running reports and some of these people are eating our lunch.
I doubt Geico’s “actuarial model is off”. Most carriers would love to experience their recent growth & profitability.
SW, they had their model set to have big growth. Now that their results have been declining, they will raise rates and hope the others will raise theirs so they will still be lower.
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So their “actuarial model” is performing as expected.
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Confused, do you ever watch insurance ads or do you just troll on this blog all the time? How about Flo saying to a potential customer – pick your own price? Does that resonate with you? Do you think it is deceptive advertising like most of us do?
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Wrong, you can’t pick your price for coverage. The deceptive part is her saying that for the low information buyer. You can pick a price if you want substandard coverage and the low information people will pick the lowest one every time and then wonder why they didn’t have coverage when the accident happens. Do they sue Flo when they find out she has misled them?
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hmmmm… the brackets were stripped… As you were….
[B] is this bold? [/B]
Now you’ve got me curious. If we could use html, that would be awesome.
Testing bold
Testing italics,
Well, hot damn!!! :)
So that really does work?
It would appear so. :)
This will make it so much easier to reference someone’s quote when responding to them.
Here you go!
bold text: …
italic text: …
underline text: … underline
strike text:
…strikeI’m not sure what these do:
exact spacing: …
blockquote:
paragraph: …
•spoiler: …
Messed that all up. Trying again. I’ve added a space in the brackets, that has to be
removedto actually use the function. Oh, and you can combine things, too!bold text: …
italic text: …
underline text: …
strike text:
…if you want to hide something:
spoiler: …
Not entirely sure what these do:
exact spacing: …
blockquote:
paragraph: …
spoiler: …
Well, phooey. Underline doesn’t work. And just putting a space in doesn’t work to show the html. So, blah. I think I’m giving up. Sorry for polluting this comment section all to bits. ;)
Personally I think companies should do what’s best for their pockets, at the End of the day the only way the carriers can continue giving coverage to people and absorbing the claims is unfortunately increasing the rates. If we didn’t have so much Insurance Fraud and everyone going “SUE” happy then naturally Everyone would be winning. I encourage a rate increase if that’s what needs to be done because I’m sure no one wants to be with a NON-Standard insurance company because a Standard Carrier went out of business for listening to consumers. They have to look out for the greater good in my opinion.
Terrible comparison Confused between Insurance and Cars. Apparently, you don’t think that companies use rating systems to rate drivers for the premium. If done properly and honestly, the customer gets the premium they deserve, not what Flo does to mislead people to think Progressive is so wonderful that the customer can merely pick their own price. How dishonest is it that Allstate is raising premiums on good loss free customers under their Price Optimization scheme? Yes, it is a scheme and thought up by people like Ron to gouge the customer and in many cases run them off. Is it good business practice to offer lower rates to new business while raising rates to loyal, long term customers who pay their bill, don’t have claims?
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You do get what you pay for. So be careful
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It is accurate to sum up that the agent gets blamed for the bad insurance purchasing decisions of the public. They can sign a declination form on U/M, PIP or lower limits and when the accident happens, it is all the agents fault and they say they didn’t know what they were signing after it was explained to them. Do you think Flo gets sued? How about Warren Buffet when GEICO sells a substandard policy?
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In case you didn’t notice it, but Flo is the official spokesperson of the company, not a fictional character. They let her give all the misleading, deceptive ads for the company so the low information people like you can get suckered in. Another lesson, Warren Buffet is the big dog 1%’er who controls Berkshire Hathaway and GEICO. Wouldn’t it be fun to see him taken to task for what his company puts out? I wouldn’t mind because he is an Obama supporter and has reaped benefits from the association.
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Actually Ron, we all know you are a Progressive and you have proved it for the past 3-4 years in spades. You were the one who was in favor of actuarial higher prices for consumers even if it was not warranted because the model said so. When the Board saw business going away like Travelers did, they finally saw the light and came out with a new program. Actuarial wisdom is in short supply with a lot of companies. You also said arrogantly that companies do not listen to agents, also a blatant lie. I get at least 3 surveys a week from different markets asking me what they do best and what they need to work on. Amazing, they are listening now. We also have visits from marketing as well instead of them sitting in their ivory tower wondering what is going on. By the way, Price Optimization is not Capitalism. It is just a scheme thought up by someone like you to rip off customers.
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Actually Ron, you arrogantly said that companies don’t listen to agents on insurance pricing. Completely wrong since we have noticed several of our companies taking note and making adjustments after conferring with us. It takes some longer than others to realize their bottom line is hurting due to not putting new business on the books and agents book rolling to better markets, but eventually they get the message.
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Agent, companies do not implement rate changes based on agent feedback. Most PM’s don’t listen to their field personnel on this issue, much less an agent. If a company has changed rates after conferring with you or any other agent then it’s solely a coincidence and the PM or sales rep is giving you credit or recognition for something that was already planned. On the very rare occasion, an agent or sales rep may have the PM take a more thorough look at territories or zips where the data is thin. That’s about the extent of an agent’s influence.
So Ron, I see you are still your arrogant self thinking you are so smart sitting their in your cubicle spouting off about dumb actuaries who rule the roost on insurance pricing for companies. Tell me, if actuaries are so smart, how come they get it wrong so often in the marketplace? Why does it take agents telling them from all parts of the country that they are off on their rates to get the message through? If a company asks me in online surveys or in person what I think of their rates or why they are not writing business or renewing business, I am going to tell them, show them quotes we have done, show them renewals. Their eyes get pretty big sometime since they were under the impression that their actuaries had it right.
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Letting someone who does not know a lot about insurance pick the coverage they want does make good sense. When a claim does happen and they do not have enough insurance to cover the damages they cause, who do you think they are going to blame. They will blame the insurance agent that sold the insurance to them. So I think it is the insurance agents responsibility to fully educate the client in worse case. Show options to give good coverage, should something happen to them. And let the client decide. If he decides to take the minimum coverage after being educated about what could happen. Then I know I did what was right and document our conversation.
Thank you Rosenblatt for sticking your nose into someone else’s conversation. You recognize Ron’s selective memory of not remembering what he said. By the way, I never said that companies adjust their pricing “solely” on agent feedback, but they do get an earful when they survey me(which is often)and I look them right in the eye when they are in my office and tell them where they are going wrong. Apparently, the info does get passed back to the powers that be. One rep apologized to me personally for the errors made at the company level and pledged to get something done. He did and they improved since then.
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Confused, I am not trolling you, just correcting your depiction of Flo. She makes big money learning her script from Progressive and yes she is the face of Progressive, even if she is getting a bit long in the tooth. I will admit she is cheerful putting out those garbage deceptive, misleading ads. She is laughing all the way to the bank. She is a true 1%’er I am sure.
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Ron, you are sounding like a retard from Buffalo who wouldn’t know Captitalism from Socialism if it hit him up the side of his head. Your track record continues unabated. Go see a shrink for your affliction.
Individual customers have different coverage needs based on their specific situations. PGR’s Flo is just merely pointing this out by allowing a prospect to pick a coverage option with the corresponding price. I don’t care much for it but let’s face it, many agents have helped PGR’s cause by placing prior limit, proof of prior, etc. limitations/guidelines on the new business they write. May be a good business decision from an agency perspective but companies won’t follow.
Well SW, you are right that Progressive and Allstate won’t follow and Farmers is not far behind. Gee, there must be a reason why Allstate & Farmers agents want out of their captive contract. Allstate agents even formed a guild/union to deal with management on issues.
Great Rosenblatt, it is fine for Ron to insult me for years and tell me I don’t know the insurance business. You can’t abide me insulting back to him. He is clearly not sorry for his insults. He proves it every article on this blog. Stop defending him. That is one Progressive looking out for the other. I don’t believe either one of you ever have sold a Personal Lines policy or had to look eyeball to eyeball to a customer and try to explain a big rate increase on Home & Auto with no apparent reason. I also don’t think you have done any re-marketing to other carriers to find a better solution and hoping their algorithms are better than the big rate increase carrier.
Ron once admitted that he tried sales for a short while and found out it wasn’t his cup of tea. I wonder why since he has such a sparkling personality. Sales Manager to Ron: Ron, we noticed you haven’t sold anything. What seems to be the problem? Ron to Sales Manager: They just don’t understand algorithms and the necessity to raise their rates so they walk out on me.
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Last sentence should’ve read: I can get my 4 year old niece to teach you the *difference between* fiction and non-fiction *if* you’d like.
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Rosenblatt, I can get my grand daughter to explain why Dolphins are not the same as people to you if you like.
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Rosenblatt, I don’t care if Flo is an actress reading lines, has a different real name or not. Progressive is putting her in front of the American people as their spokesperson doing deceptive/dishonest ads proclaiming how wonderful they are. I have Progressive for troubled drivers and the last time their rep was in my office I asked him why they do these things. He grinned sheepishly and said he didn’t like them either, but the powers that be thought differently so it is what it is.
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Fake advertising by an actress reading a line to deceive the public. They are like the fake “Progressive” government we have who lies about almost everything to gain an advantage.
New bulletin for the unbelievers! On Property Casualty 360 is a story of GEICO getting caught in California after its online price quotes misrepresented some coverage as the cheapest option available. They were basing the quote on education level, occupation and gender and then would tell the customer that BI limits of 100/300 were the cheapest available even though the minimum limit in California was $15/30 BI. GEICO agreed to pay a fine of $6 million and they could have to pay an additional $6 million if they don’t correct their system.