Everyone wants to save money. And as the cost of living increases, scouting out deals is becoming like a second (or third, or fourth) job for some. So when it comes to insurance, how can you get the most bang for your buck? What determines the price of insurance, anyway? Well, it first depends on the type of insurance—e.g., homeowner,…Read More
From a customer standpoint, it may seem like the shortest path to saving money is to switch insurance companies. Which raises the question: Is there any value in being a long-time customer of an insurance company? Or what is the return on investment in loyalty—if that even exists anymore? The answer is not always clear. As an…Read More
According to usual patterns, insurance agents typically speak with clients only two or three times in a year. Of course when there’s a problem or an urgent need, these calls are focused solely on resolution. Because when everyone is in crisis mode, the only clear goal is a swift and painless return to normal. These are what we call…Read More
It seems odd, the things we measure these days. Or at least the things we have to measure to ensure we’re doing what we should. A whole industry was born of counting how many steps a person takes in a day. And if you’re anything like me—far too many conversations these days revolve around “getting your steps in.” So what are we really…Read More
Business takes me far and wide, and I put in many hours behind the wheel. So it’s a given that I hear a lot of insurance ads—the same ones you do. I’ll spare you the catchy slogans; you know the messages and the faces. The sad truth is that these characters are built by factories calibrated to churn out a distorted value…Read More
Every time we place a customer with one of the insurance companies we represent, we’re doing our due diligence. We recently paired a client with an insurance company that has steady rates and a policy loaded with coverage options—all ideal for this customer. The only catch: the insurance company hadn’t spent a dime on public…Read More
When trying to solve the question of motivation, a detective may often resort to this time-tested advice: “Follow the money.” The implication? Well, if you know where the money came from, you can begin to understand why people do what they do. When trying to find the right insurance agent, we’d suggest you go the same route: investigate the…Read More
A common term for a nasty practice, the “gotcha” is no laughing matter. This punch line can sock it to you, with series of hidden exclusions and limits that ultimately threaten your ability to file a legitimate claim. Even if you’ve done your due diligence and read the fine print, you could miss clauses and statements that negate…Read More
Prevalent within and without the insurance industry, misselling is a bad deal: products or services are sold without full disclosure of details and exclusions. Worse yet, information may be purposely hidden. It could also entail bad advice, stemming from lack of knowledge of the policy, the customer, or both. Either way, the coverage doe…Read More
Lurking behind those affable corporate mascots, this legal principle, cleverly employed by big-box auto insurance providers to minimize payouts, can tip the scales of liability to favor an offender and leave the victim shortchanged even when fault may be clear. The argument is that you likely did some small thing that contributed to…Read More
Connection established. Brace yourself for good times!
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