Just read this by Seth Godin; The Perfect Crime a very similar thing actually occurs in Insurance. Thanks for the idea Seth.
I cannot factually speak on any of the lobbying or NAACP points. Instead here is what I do know.
None of the insurance advertising you see actually shows you how to be a better consumer in the long term. The companies only concern is on switching your insurance this year which, since the cost to acquire customers is high, is pretty stupid. It takes several years to turn a profit on any individual, why would you only advertise for this year? Because you are conditioning the masses.
How many people do you spend money with that spend money with you?
How often do you CHOOSE to spend locally when an Internet or national chain option are available?
Now I am by no means perfect but I take the fact that I am a local business very seriously. I have a massive amount of gratitude for those people that choose to spend money with me and therefore enhance the lives of my family. So what else can I do? Well for me it comes down to a couple of basic things;
- If you have resources why wouldn’t you share them?
Passion. If it is passion with purpose even better. See this gives me energy, the influence of these things and the subsequent ideas and inspiration that comes from them is a piece of my why.
When it finally came time to find something new and start my own firm the search for how I would do it began. Somewhere along the line I caught this article in Mens Journal. Shortly there after I did some more research and read this piece and was even more hooked. I now had some more ideas thanks to Yvon Chouinard. Then I sat and watched 180 South , in my case this was one of those movies that was on in the background and quickly grabbed me. These stories as well as some more positive influence from Clif and Gary Erickson helped me decide that one of the first steps of my company would be that a piece of the foundation would include 1% for the Planet .
Is just not that easy. Maybe there is to much on my to do list, maybe I need to use my assistant better maybe I need to delegate more maybe I am too ambitious(no such thing) maybe I am to slow maybe I need better priorities maybe I am just complaining.
Unlike an automated message every call, e-mail, tweet Facebook message and beyond means something. Every interaction feels good, even the annoying ones, even the ones that do not earn money because the interactions and relationships are the only currency whose value exceeds “money.” Leading with the intention of doing good and talking to people and sharing people and getting beyond the transaction is what gets me up and keeps me up. How about you?
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Getting things done and some phone etiquette
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Here is a link to a terribly written article; http://boingboing.net/2013/01/29/american-insurers-charge-reckl.html
Like most garbage there is a “catchy” headline and zero to no substance behind it. This article tries to study insurance rates and say that “rich” people get better rates. Now although I am not a scientist I know that when running an experiment you must keep as many factors equal as possible. This “experiment” did not. The facts;
Using two hypothetical characters the group compared premiums offered to two 30-year-old women. Both had driven for 10 years, lived on the same street in a middle-income Zip code and both wanted the minimum insurance required by whichever state the group was researching.****Using the minimum insurance required already screws up this experiment. Having the lowest coverage required makes you look irresponsible*****