I am very selective with products that I sell and companies that I represent.
Not one complaint against me in 15 yrs.
People still send referrals and I don\’t want to work right now.
I shop every plan first,
then offer the client a choice.
I highlight NO MATERNITY or NO MENTAL HEALTH, I do not hide anything.
I even highlight
PLAN PAYS USUAL & CUSTOMARY,
PATIENT IS RESPONSIBLE TO PAY FOR
AND & ALL OVER CHARGES AND YOU MUST DISPUTE THIS WITH THE DOCTOR AND OR HOSPITAL.
I PUT IT IN ENGLISH, WHERE THEY CAN UNDERSTAND.
9 OUT OF 10 PEOPLE DO NOT KNOW HOW MUCH IT WILL COST THEM IF THEY NEED BRAIN SURGERY? THEY JUST KEEP PAYING HIGHER RATES. THE WON\’T FIND OUT UNTIL IT\’S TOO LATE. I ADVERTISE THE TRUTH.
I would not sell something unless I believed in it.
I make sure that the plan has a lifetime benefits; and the Insured has an annual cap to protect their finances.
I refuse to sell group because if you loose your job you loose your health plan too and that again leaves a family wide open for a financial disaster.
I am successful because I am straight up and totally honest with people.
I obey the law but my loyalty is to people.
I was working as a secretary for an Agent.
He was so dishonest, he even stole from me.
That forced me into war with him.
I got licensed,opened up my own Agency,
and I made history by receiving a GA contract
before I was a licensed agent.
The rest is history. I did the right thing and
I have been rewarded with respect & success.
It was horrible to see a man lie & cheat people
just to get commission. He\’d squeeze them for
more by over insuring them just to make a few
buck more each month. It\’s a matter of time
before they find the truth. He will loose them
and the referrals too.
PS Howard K Stern is trying to steal this baby, the home & pot of gold.
Think he killed the queen to become King? Already he has hired body guards.
He\’s A Anna Be…,
but he\’ll Never Be Any thing except for a lap dog.
me Chad happy, not sad; learn to count on toes so i can read all Kim David 10 commandments for State Farm…me think Kim may have hung ten off a short pier…Like a good neighbor, Chad Balaamaba there.
2. will ask their professional insurance agent about possible other coverage’s they may need
3. will purchase all of the coverage’s needed and in limits adequate to meet their needs
4. will immediately advise their carrier of any substantial changes in their needs or exposures
The Agent / Company
1. knows what coverage’s the consumer needs
2. will ask the consumer questions to determine what other coverage’s are needed
3. will document what coverage’s were recommended but not purchased
4. will provide their Personal Lines clients the same service as their Commercial Lines clients
In a perfect world…
1. The consumer would know that they don’t know what coverage’s they need, but would be smart enough to know when the agent isn’t doing the job.
2. The agent will take the time to listen to the consumer and recommend all of the coverage’s that are needed, but only the coverage’s that are needed.
3. The consumer will listen to the agent and purchase all of the recommended coverage’s.
And let’s not forget about the states. In the prefect world premiums would be allowed to reflect the real exposures, whether or not the public believes it. In 30 years in the business, there is one truth and that is in a free market there will be carriers out there wanting to write the business if the premium can reflect the real exposure and allow us the possibility to make a profit.
in a perfect world, not only does the customer understand the coverages they need, but they also read and understand their policy, and their agent explains the coverages they have and need.
But most important, in a perfect world, the customer actually bucks up and pays the money necessary to add the additional coverage he/she hopes not to ever need. Allot of folks refuse to pay that extra premium, and then they whine in harmony after the fact. They whine it wasn\’t explained, or they \’feel\’ it should be covered by their policy…then they go to the government…
That is assumed in the rule where the consumer purchases the recommended coverages. I guess I should have included at a fair price, but then KIM would probably complain that the prices aren\’t fair.
Kim
wow, lots of premium…expensive house, too. I\’m trying to figure why you aren\’t states witness at all these trials; you have so much information, you seem to know more than the homeowners and their carriers.
Let\’s review the Kim David theory of insurance:
Premiums = claims = insurer must pay
insurer must pay, or they would be taking in money and keeping it when loss occurs
does not matter if an exclusion denies part or all of loss; Kim feels loss to be paid because premium has been paid, even if it was for something else, SOMEONE HAS TO PAY AND IT BETTER BE THE BIG DOG!
No one here will argue if a homeowner is wronged, they shouldn\’t recover. However, your \’State Farm is the devil, their ceo carries a pitchfork\’ routine sounds like the insurance version of Cindy Sheehan. Spending billions on one of the most horrific storms in history is well short of a denial conspiracy. Please, if your going to get facts, let\’s get them all.
And most of all, you fail to account that there is even the slightest possibility that any of these people should have had flood insurance, and had personal responsibility for which they failed. Pretending that a carrier who has long scored extremely high in customer satisfaction surveys is suddenly \’out to get\’ folks on the coast. Heck, they probably only sent their adjusters out to get photos of the damage so they could use gas in their cars and add to global warming, too. It\’s all a conspiracy.
I work for a carrier who has been lauded by the respective DOI\’s from both LA and FL. There are many carriers who have paid more than their share on these claims. So, it\’s seems if this is a conspiracy, it\’s a damn well disorganized one. As such, you can probably put away your tin foil hat and let the government continue reading your thoughts; it\’s a short book.
You\’ll probably get your way; everyone is out to prove State Farm is now the insurance version of Wal-Mart; their screwed in the public opinion forum. However, simply because a court rules in your favor, don\’t consider yourself \’right\’, just think of yourself as another mindless \’joiner\’ who loves to pile on. Anyone who knows their way around the MS/LA courts knows it\’s already next to impossible to get a fair trial to begin with; now, you have to select from a jury pool who feels they\’ve been \’wronged\’; good luck to State Farm and anyone else defending claims there.
Come to think of it, you probably better keep that tin foil hat on. Keep it good and tight so we can continue to enjoy your factless rants.
The best thing about all of this is neither I, nor you, were there to personally inspect these homes. We develop opinions based upon stories we read and hear. I know allot of folks who work for the Farm, and I have yet to see anyone hiding a pentagram under their desk, so I don\’t think they get any personal joy from denying a loss. Could they be wrong? sure. Can State Farm, or any other carrier get a fair hearing in one of these courts; not likely. Are any of these carriers going to restrict their business, leave the states as a result: you bet; what would you do.
Kim, you\’re missing a great opportunity. You and your bleeding heart friends should put your funds together and start your own insurance company. This is obviously a very profitable business, and these are evidently high profit, low risk areas. Your company will clean up and provide the best service for the best price. Better yet, you can introduce a \’no premium due until you are completely satisfied\’ policy. That way, if the claim is denied, the policy holder can withhold payment due to their dissatifaction. That will alleve your $3000 premium and no loss paid dilemna. Good Luck, Kim, you can do it. I can just feel it.
It could catch on. Kim, could I be you first appointed agent? Do not worry about paying commission as I understand your philosophy quite well and can see as the owner you will take no pay, pay no commissions, and all staff will be paid minimum wage. It sounds like such a feel good company I just want to be part of something great. Heck, I might even write my own feel good policy with your company. I like the idea of not paying premium and only paying it after the fact if I am satisfied with my claim payment. Wow, that really feels good.
Kim,
You are so out of touch with reality. You seem very bitter that you did not take the time to understand what you were purchasing and not purchasing (I.E. flood insurance). I run into this all the time when I am quoting new business. Many people just want the cheapest homeowner quote and do not even want to discuss coverage. I bet you are one of those people who bought the cheapest only to later find out it was not very broad coverage.
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Hey Ralphie…
I am very selective with products that I sell and companies that I represent.
Not one complaint against me in 15 yrs.
People still send referrals and I don\’t want to work right now.
I shop every plan first,
then offer the client a choice.
I highlight NO MATERNITY or NO MENTAL HEALTH, I do not hide anything.
I even highlight
PLAN PAYS USUAL & CUSTOMARY,
PATIENT IS RESPONSIBLE TO PAY FOR
AND & ALL OVER CHARGES AND YOU MUST DISPUTE THIS WITH THE DOCTOR AND OR HOSPITAL.
I PUT IT IN ENGLISH, WHERE THEY CAN UNDERSTAND.
9 OUT OF 10 PEOPLE DO NOT KNOW HOW MUCH IT WILL COST THEM IF THEY NEED BRAIN SURGERY? THEY JUST KEEP PAYING HIGHER RATES. THE WON\’T FIND OUT UNTIL IT\’S TOO LATE. I ADVERTISE THE TRUTH.
I would not sell something unless I believed in it.
I make sure that the plan has a lifetime benefits; and the Insured has an annual cap to protect their finances.
I refuse to sell group because if you loose your job you loose your health plan too and that again leaves a family wide open for a financial disaster.
I am successful because I am straight up and totally honest with people.
I obey the law but my loyalty is to people.
I was working as a secretary for an Agent.
He was so dishonest, he even stole from me.
That forced me into war with him.
I got licensed,opened up my own Agency,
and I made history by receiving a GA contract
before I was a licensed agent.
The rest is history. I did the right thing and
I have been rewarded with respect & success.
It was horrible to see a man lie & cheat people
just to get commission. He\’d squeeze them for
more by over insuring them just to make a few
buck more each month. It\’s a matter of time
before they find the truth. He will loose them
and the referrals too.
PS Howard K Stern is trying to steal this baby, the home & pot of gold.
Think he killed the queen to become King? Already he has hired body guards.
He\’s A Anna Be…,
but he\’ll Never Be Any thing except for a lap dog.
me Chad happy, not sad; learn to count on toes so i can read all Kim David 10 commandments for State Farm…me think Kim may have hung ten off a short pier…Like a good neighbor, Chad Balaamaba there.
me like skunk, too.
Kim David Math and Poetry class:
Just because you say you exclude
Doesn\’t still mean you owe me dude
If I showed I had some class
I wouldn\’t be talkin\’ out my a$$
The Consumer
1. knows what coverage’s they need.
2. will ask their professional insurance agent about possible other coverage’s they may need
3. will purchase all of the coverage’s needed and in limits adequate to meet their needs
4. will immediately advise their carrier of any substantial changes in their needs or exposures
The Agent / Company
1. knows what coverage’s the consumer needs
2. will ask the consumer questions to determine what other coverage’s are needed
3. will document what coverage’s were recommended but not purchased
4. will provide their Personal Lines clients the same service as their Commercial Lines clients
In a perfect world…
1. The consumer would know that they don’t know what coverage’s they need, but would be smart enough to know when the agent isn’t doing the job.
2. The agent will take the time to listen to the consumer and recommend all of the coverage’s that are needed, but only the coverage’s that are needed.
3. The consumer will listen to the agent and purchase all of the recommended coverage’s.
And let’s not forget about the states. In the prefect world premiums would be allowed to reflect the real exposures, whether or not the public believes it. In 30 years in the business, there is one truth and that is in a free market there will be carriers out there wanting to write the business if the premium can reflect the real exposure and allow us the possibility to make a profit.
in a perfect world, not only does the customer understand the coverages they need, but they also read and understand their policy, and their agent explains the coverages they have and need.
But most important, in a perfect world, the customer actually bucks up and pays the money necessary to add the additional coverage he/she hopes not to ever need. Allot of folks refuse to pay that extra premium, and then they whine in harmony after the fact. They whine it wasn\’t explained, or they \’feel\’ it should be covered by their policy…then they go to the government…
That is assumed in the rule where the consumer purchases the recommended coverages. I guess I should have included at a fair price, but then KIM would probably complain that the prices aren\’t fair.
That is a sales pitch.
Tell it to the uninsured.
People had $600,000 in Homeowners,
were paid El Zero!
If you can\’t be honest,
be quiet.
Trust me, the only people who can get one over on the industry is a criminal.
Kim
wow, lots of premium…expensive house, too. I\’m trying to figure why you aren\’t states witness at all these trials; you have so much information, you seem to know more than the homeowners and their carriers.
Let\’s review the Kim David theory of insurance:
Premiums = claims = insurer must pay
insurer must pay, or they would be taking in money and keeping it when loss occurs
does not matter if an exclusion denies part or all of loss; Kim feels loss to be paid because premium has been paid, even if it was for something else, SOMEONE HAS TO PAY AND IT BETTER BE THE BIG DOG!
No one here will argue if a homeowner is wronged, they shouldn\’t recover. However, your \’State Farm is the devil, their ceo carries a pitchfork\’ routine sounds like the insurance version of Cindy Sheehan. Spending billions on one of the most horrific storms in history is well short of a denial conspiracy. Please, if your going to get facts, let\’s get them all.
And most of all, you fail to account that there is even the slightest possibility that any of these people should have had flood insurance, and had personal responsibility for which they failed. Pretending that a carrier who has long scored extremely high in customer satisfaction surveys is suddenly \’out to get\’ folks on the coast. Heck, they probably only sent their adjusters out to get photos of the damage so they could use gas in their cars and add to global warming, too. It\’s all a conspiracy.
I work for a carrier who has been lauded by the respective DOI\’s from both LA and FL. There are many carriers who have paid more than their share on these claims. So, it\’s seems if this is a conspiracy, it\’s a damn well disorganized one. As such, you can probably put away your tin foil hat and let the government continue reading your thoughts; it\’s a short book.
You\’ll probably get your way; everyone is out to prove State Farm is now the insurance version of Wal-Mart; their screwed in the public opinion forum. However, simply because a court rules in your favor, don\’t consider yourself \’right\’, just think of yourself as another mindless \’joiner\’ who loves to pile on. Anyone who knows their way around the MS/LA courts knows it\’s already next to impossible to get a fair trial to begin with; now, you have to select from a jury pool who feels they\’ve been \’wronged\’; good luck to State Farm and anyone else defending claims there.
Come to think of it, you probably better keep that tin foil hat on. Keep it good and tight so we can continue to enjoy your factless rants.
The best thing about all of this is neither I, nor you, were there to personally inspect these homes. We develop opinions based upon stories we read and hear. I know allot of folks who work for the Farm, and I have yet to see anyone hiding a pentagram under their desk, so I don\’t think they get any personal joy from denying a loss. Could they be wrong? sure. Can State Farm, or any other carrier get a fair hearing in one of these courts; not likely. Are any of these carriers going to restrict their business, leave the states as a result: you bet; what would you do.
Kim, you\’re missing a great opportunity. You and your bleeding heart friends should put your funds together and start your own insurance company. This is obviously a very profitable business, and these are evidently high profit, low risk areas. Your company will clean up and provide the best service for the best price. Better yet, you can introduce a \’no premium due until you are completely satisfied\’ policy. That way, if the claim is denied, the policy holder can withhold payment due to their dissatifaction. That will alleve your $3000 premium and no loss paid dilemna. Good Luck, Kim, you can do it. I can just feel it.
It could catch on. Kim, could I be you first appointed agent? Do not worry about paying commission as I understand your philosophy quite well and can see as the owner you will take no pay, pay no commissions, and all staff will be paid minimum wage. It sounds like such a feel good company I just want to be part of something great. Heck, I might even write my own feel good policy with your company. I like the idea of not paying premium and only paying it after the fact if I am satisfied with my claim payment. Wow, that really feels good.
Kim,
You are so out of touch with reality. You seem very bitter that you did not take the time to understand what you were purchasing and not purchasing (I.E. flood insurance). I run into this all the time when I am quoting new business. Many people just want the cheapest homeowner quote and do not even want to discuss coverage. I bet you are one of those people who bought the cheapest only to later find out it was not very broad coverage.