Multiple Choice
Which of the following is an incorrect way of how to get a quote for PHA?
A. Online Services
B. Call a Rep
C. Contact a Agent
D. Walk into a Progressive Office
D. Walk into a Progressive Office
Who are we required to make a PHA Offer to?
Named Insured, Spouse, and Second Named Insured
When a Member calls in to make a vehicle endorsement, where would an ideal place be to make a PHA Offer?
During discussion of coverages.
What additional coverages can be added to a Renter's Insurance Policy for High Value/Actual Cash Value items?
Insurance Rider
Flood insurance is included with Renter's Insurance Policy? True or False
False, separate Flood Insurance Policy!
Which of the following is not an example of Loss of Use/Additional Living Expenses?
A. Temp housing
B. Storage Units
C. Additional Food Expenses
D. Pet Death Expenses
D. Pet Death Expenses
Which State may not qualify for the Multi-Policy Discount? Explain which State and Why?
California - Only when Homeowner, Condo, or Renters policy is underwritten by Progressive Home.
Member is calling in to advise they have recently moved, where would you make a PHA Offer?
1. When making address change and confirming residence status - making PHA Offer based on response.
2. When policy pro script presents itself about additional protection.
3. When discussing rate impact of address change
Caller mentions their Homeowner is built into their current Escrow, what perk can you advise the caller about Progressive Homeowners?
Progressive works directly with Mortgage Company to assist with Escrow and may require no down payment.
True or False: A Homeowner should call in every so often to review their coverage for the value of their home.
True, in the event of a loss Homeowners may not receive current value of their home due to outdated coverages/value.
Customer advised they currently have coverage, what is not a good way to overcome that objection?
A. "How long as it been since you last reviewed your current policy to ensure you have insured properly with current value".
B. "We offer a free quote to compare and if our rates are better you save on property insurance while getting a Multi-Policy Discount with Auto and Property Insurance".
C. "Oh, Okay this offer is always on the table whenever you want to receive a quote".
C. "Oh, Okay this offer is always on the table whenever you want to receive a quote".
In Transfer Process for Referral Guidelines for PHA, what is the suggested script to read to the Customer?
"I am going to connect you with a Specialist who will ask you a series of questions to provide you the best policy to fit your needs. During the connection process, you will hear a series of beeps, a moment of silence, and a brief disclosure. Once that has been completed, please do not hang up. A Specialist will be on the line with you momentarily."
Member is calling in for a lower rate due to higher Renewal Offer, where can you place PHA Offer?
During policy review when:
1. Reviewing Address
2. Discussing Discounts
3. Discussing Coverages
4. Listening to caller and Tailoring Offer.
What does Dwelling Coverage include in Homeowner's Insurance other than your house? (There is more than one answer - Only need one correct response)
Attached garage
Attached deck
Verandas, screened-in porches, etc...
Chimney
Building materials permanently installed (flooring, ceilings, countertops, cabinets, vanities, etc.)
Through Property Insurance your personal belongings are covered if damage or stolen while traveling - True or False?
True, they are protected under your Property Insurance.
What is a good open ended question to use on a PHA Offer?
A. Do you want to do a quote for Renters Insurance?
B. Who do you currently have for your Renters Insurance?
C. Oh by the way before we go you have a discount through our Renters Insurance
B. Who do you currently have for your Renters Insurance?
What are the Guidelines steps of doing a correct Transfer Process for Referrals for PHA on Avaya/Softphone?
1. Press (*) key followed by "8."
2. Dial 888-827-3183
3. Press "1" for new quote, & enter property ZIP code when prompted
4. Select product:
Select "1" for Home.
Select "2" for Condo.
Select "3" for Renters.
Select "4" for Manufactured (mobile) Home.
During Holiday Season(s) what specific tailoring can you do towards a PHA Offer? (There is more than one answer - Only need one correct response)
Turkey Fires, Gifts purchased stolen from vehicle, personal injury from others at family gathering
What are the main coverages on a Renter's Insurance Policy (4 Answers)?
Personal Property, Loss of Use, Personal Liability, and Medical Payments.
If an insured is living with a roommate, the roommate's belongings are automatically covered under the policy whether they are listed or not - True or False?
False, the roommate has to be listed for coverages to be applied.