Insure To Value

It’s hard to imagine why insurance companies would give up additional premiums by underinsuring customers, but we find they do it every day. Why?

  • To compete in the marketplace.
    Everyone else does it and no one wants to be the first to charge more.
  • To keep their good neighborly hands on your annual premium payment.
    If they raise your premium, you’re likely to shop elsewhere without researching the reason for the increase.
  • To limit their overall exposure and risk.
    The second “half” of the coverage doesn’t garner as much premium (or commission) as the first. Selling this coverage to everyone would increase their exposure to premium ratio.
  • To shift the risk to the homeowner.
    If they don’t sell that additional coverage, they don’t have to pay you after a loss.
  • To reduce their re-insurance expenses.
    If they sell you more coverage, they have to buy more re-insurance coverage.

[You can download our handout HERE]

Inspirational Quotes

The secret of success is learning how to use pain and pleasure instead of having pain and pleasure use you. If you do that, you're in control of your life. If you don't, life controls you.

Anthony Robbins

Testimonials

Last Thursday morning I woke with the feeling that 'I just want someone's hand to hold who knows about all this.' 2 hours later I bumped into another fire victim at the post office and he told me about the CARe meeting that night. How cool is that? Thanks so much for being "the hand". What an amazing gift you have created with your resource guide. I am still trying to absorb all you have included and what it must have taken to create it.

Tea Fire Survivor, 2008