Blaming management for low morale is one possible
answer. However, let me give you the benefit of 30 years
in this biz:
Any person who has been in
claims for over ten years has a jaded view of life due
to the numerous lies he/she has been told, the
number of false claims they have witnessed, the carnage
they have not been able to rectify through
indemnification of loss (what amount for the loss of a child?),
Any person who has been in underwriting for over ten
years has a warped perpsective due to the number of
lies they have been told, the consistent application
of Murphy's law outweighing the law of large
numbers, the pain of "file review" when large losses
occur(causing the underwriter to understand he/she can only be
sure of being right if he/she declines the risk),
Any person who has been in marketing for over ten
years is completely worthless. They have come to
realize that good relationships last three years, great
relationships last five years and fantastic relationships last
seven years. They have come to realize there are not an
infinite number of relationship opportunities. They are
frustrated by the harshness of the reality of the 80/20 rule
which when accurately applied indicates about 80
percent of any production group are
Our industry chews up and spits out people. I have
worked for five companies and contracted as an agent
with over 50 companies. It is my observation that
morale was very low at each and every company at times
for various reasons.
"If people are suffering,
they must look within themselves... Happiness is not
something ready made Buddha can give you. It comes from
your own actions." The Dalai Lama
If you think
your work has value and you work hard to promote that
value you will be happy in your work.
insurance company personnel see almost no value in what
they are doing. They see their job as providing a
despised commodity at the lowest possible price.
What our industry needs isn't better management. What
our industry needs is a better self image.
can hold out as long as you need to... if you
appreciate the never ending possibilities to apply your
intelligence and creativity to eliminating horrible amounts of
risk from the average person's life.
I won't say morale isn't low. But please,
comparisons to CSAA don't work. They have more than enough
problems since the restructure. The lost most of their
quality staff in the buyout and have MD types supervising
BI files they themselves have never handled. Just
because they have the authority doesn't mean they know
how to use it.
MCY is a bit micro-managed but
I think that we are on the usual roller coaster --
all the insurers lower prices until one company gives
up, they all raise rates and we scoop in and pickup
the disgruntled customers who want to save a
Retention of policyholders had always been a focus but I
agree with your assessment that valuable minds are
being lost or will be lost in the near future. I am
sure it is happening in most, if not all of the
branches given the increasing job postings each
Patience is the name of the game but just how far can "we"
PC's in 2001???? LOL We can only
Lets face it, morale sucks. What can be done
about it?? How about empowering it's employees and give
them a little credit. CSAA/AAA gives it's field people
$35k authority. Yes, that is no misprint. Supv's have
$100k authority. Granted that may not be wise for some
of those morons over at CSAA, but when we don't even
get Br mgs' $30k, especially when I've seen some of
the decisions by admin, it makes me think this
company is going downhill and going fast.PC's???
believe it when I see it.
Morale has always been poor!This is nothing
It was poor with BF. The difference now is the co's
unwillingness to keep or hire experienced personell,this has
always been the problem, The effect now has been evident
for years and we all saw it coming. What will be
interesting to watch..is.. will merc be able to cont to sell
a product with out the personell to deliver?? But
hey, there is good news...I hear Progressive is
is determined by the actions of top management,
which means that the present sorry state will only get
For those who have been here long enough, the person
who could correct this horrible problem is obvious,
but will never happen as long as M.C. is in charge,
and he's not going anywhere as long as he's making a
million $ per year!
Did you have an accident we declined? You seem
very bitter. MCY is a great company to work for, pay
isn't the highest in the industry, it certainly isn't
the lowest either. The people are great, our agents
are loyal. You act like you know something, but you
fail to make any verifiable representations. What have
you got against mercury?
Jim, you crack me up. Morale is not high. People
respect an U/W manager that goes around and pats them on
the back when they do something right. People have
respect for that, people want to be recognized, they want
to feel needed. You may do the right things, and I'm
sure you pass those traits onto your employees.
Managers who run around, gossip, play games, yell,
threaten employees are not respectable managers, and no
money can make the employees who work for them happy.