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	Comments on: State Farm is Where??? Insurance industry marketing	</title>
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		By: D		</title>
		<link>https://bnbranding.com/brandinsightblog/state-farm-is-where-insurance-industry-marketing/#comment-77524</link>

		<dc:creator><![CDATA[D]]></dc:creator>
		<pubDate>Sat, 21 Mar 2020 20:26:55 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://bnbranding.com/brandinsightblog/state-farm-is-where-insurance-industry-marketing/#comment-1165&quot;&gt;Frank Bliss&lt;/a&gt;.

Folks, unfortunately, this is all too common with State Farm. I was an Agent Aspirant candidate with them, then became and Agent and after 6 months I could see how brainwashed and jaded I had become and started to realize the true nature of the company. When I started with the company, they did a great job on almost everything. They changed CEOs and it went down the toilet. I left about 6 months into being an agent and went to a different company that is much better. State Farm is not a good neighbor and they don&#039;t care about their long tenured clients and are completely out of touch with milineals (sp?). For one, I had to apologize for claims literally daily, and at times 3 to 4 times per day. On top of that, the cancellations started coming. They cancelled anyone they could randomly for being &quot;high claim propensity&quot; according to SFs computer metrics. I had insureds get cancelled for two $70 or less towing claims in three years with literally zero else on their record. SF used to sell a policy that was guaranteed renewable premium. They would purposely raise rates double percentage points at a time (even with no tickets and accidents) or cancel other policies in the household that didn&#039;t have guaranteed renewable premium to get those clients to leave. Also, claims associates would frequently try to throw the agent or team member under the bus for things and accuse us of saying things we didn&#039;t. The last straw for me is when they started doing inspections on houses that were &quot;chosen at random&quot; to make sure they were still worthy of being insured. one of my clients had a few issues, and the company sent me a two page list of things he needed to do to not be canceled. This gentlemen was 86 years old and lived alone and all of his kids were out on the West coast or in the deep south. So, like an actual good neighbor, and having been a contractor myself prior, I pulled all the permits and helped him do all the work. I did also this for free to him and he just paid for the materials. I complied with the entire list, fixed everything in question per code, took pictures, had an inspector sign off on the work, etc... We got all of this done a couple weeks before the cancellation was supposed to happen. Underwriting comes back to me with a new list equally long of things that were still wrong, but wouldn&#039;t extend the deadline. We followed the same process and got everything done and submitted per the listed, exactly to code, and signed of on by an inspector from the city...………………...State Farm still canceled this client. The client blamed me for this since I was the State Farm he knew, so he left. I then lost about 12 more households because of the same incedent and had my name dragged through the mud. in all, I lost about $6000 in annual revenue from these households. PEople, don&#039;t buy the bullshit. State Farm is a scam. they don&#039;t give a damn about their insureds or their agents. The only reason they write any new business is on people who are young and naïve and don&#039;t have a clue how insurance works. Also, they bamboozle new agents into thinking their markestshare in the area is only 15% to 20%, but what they conveniently don&#039;t disclose is that only 40% of the population is actual eligible for coverage with them, and of that 40%, 65% already have State Farm. Scam, Scam Scam]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://bnbranding.com/brandinsightblog/state-farm-is-where-insurance-industry-marketing/#comment-1165">Frank Bliss</a>.</p>
<p>Folks, unfortunately, this is all too common with State Farm. I was an Agent Aspirant candidate with them, then became and Agent and after 6 months I could see how brainwashed and jaded I had become and started to realize the true nature of the company. When I started with the company, they did a great job on almost everything. They changed CEOs and it went down the toilet. I left about 6 months into being an agent and went to a different company that is much better. State Farm is not a good neighbor and they don&#8217;t care about their long tenured clients and are completely out of touch with milineals (sp?). For one, I had to apologize for claims literally daily, and at times 3 to 4 times per day. On top of that, the cancellations started coming. They cancelled anyone they could randomly for being &#8220;high claim propensity&#8221; according to SFs computer metrics. I had insureds get cancelled for two $70 or less towing claims in three years with literally zero else on their record. SF used to sell a policy that was guaranteed renewable premium. They would purposely raise rates double percentage points at a time (even with no tickets and accidents) or cancel other policies in the household that didn&#8217;t have guaranteed renewable premium to get those clients to leave. Also, claims associates would frequently try to throw the agent or team member under the bus for things and accuse us of saying things we didn&#8217;t. The last straw for me is when they started doing inspections on houses that were &#8220;chosen at random&#8221; to make sure they were still worthy of being insured. one of my clients had a few issues, and the company sent me a two page list of things he needed to do to not be canceled. This gentlemen was 86 years old and lived alone and all of his kids were out on the West coast or in the deep south. So, like an actual good neighbor, and having been a contractor myself prior, I pulled all the permits and helped him do all the work. I did also this for free to him and he just paid for the materials. I complied with the entire list, fixed everything in question per code, took pictures, had an inspector sign off on the work, etc&#8230; We got all of this done a couple weeks before the cancellation was supposed to happen. Underwriting comes back to me with a new list equally long of things that were still wrong, but wouldn&#8217;t extend the deadline. We followed the same process and got everything done and submitted per the listed, exactly to code, and signed of on by an inspector from the city&#8230;………………&#8230;State Farm still canceled this client. The client blamed me for this since I was the State Farm he knew, so he left. I then lost about 12 more households because of the same incedent and had my name dragged through the mud. in all, I lost about $6000 in annual revenue from these households. PEople, don&#8217;t buy the bullshit. State Farm is a scam. they don&#8217;t give a damn about their insureds or their agents. The only reason they write any new business is on people who are young and naïve and don&#8217;t have a clue how insurance works. Also, they bamboozle new agents into thinking their markestshare in the area is only 15% to 20%, but what they conveniently don&#8217;t disclose is that only 40% of the population is actual eligible for coverage with them, and of that 40%, 65% already have State Farm. Scam, Scam Scam</p>
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