Auto
Personal Effects provides insureds protection for their personal items damaged in an accident but can also pay for damages/injuries to an insured's...
Pet! If the pet is injured in an accident, personal effects can extend out to cover injuries.
Typically damage that is deemed _______ & ______ can be covered under a home insurance policy
What is: Sudden and Accidental
An insured calls in regarding the purchase of a golfcart, what major features would make the golfcart ineligible for coverage through Allstate?
Licensed for road use, seatbelts, turn signals, head lights.
What are the required daily call goals?
AND
What should every agent do every evening before clocking out and resetting their PC?
15 inbound & 3hrs of talktime.
and
check your PC for updates
What NFL franchise has the highest number of wins?
Green Bay Packers
Defensive driving in GA can be provided to most drivers without accidents or violations, however, in TN, what age are insureds eligible for this discount?
55 yo
Before an insured is sent to claims, what do we ask them to get to verify damages exceed deductible?
Inspection / Assessment
RLI PUPS require ___&____ BI limits but the Allstate PUP allows insureds to carry _____ & ____ Bi limits.
RLI = 500 / 500 (For all states)
Allstate = 250/500 (available in All other states besides GA)
How many days does a policy have to be cancelled for in order to be eligible for x-sale or rewrite bind credit?
120 days!
What viral social media trend helped to raise awareness over ALS (Lou Gehrig's Disease) in 2014?
What is: Ice Bucket Challenge
The classic auto policy and ASC auto policy have differences. Regarding insurable interest, what does the ASC have as an advantage compared to the classic auto?
ASC does not require the named insured to have insurable interest in all vehicles, named insured must own 1 vehicle.
What are the 3 key features of the Allstate Enhanced Homeowners Package?
Claim Rate Guard, Deductible Rewards, Claim Free Bonus/Discount
There are 9 categories of items that the Valuable Item Protection Policy AKA VIP Product can protect, what are those categories?
Jewelry, Fine Arts, Furs, Stamp Collections, Coin Collection, Silverware/Dinnerware, Firearms, Musical Instruments, Sports Equipment
Cameras, business property, trophies currently EXCLUDED from VIP.
You aren't sure what is covered under Water Backup coverage, what resource would you use to determine Allstate's definition of what is covered?
Policy Jacket!
Taylor Swift is named after what notable singer-songwriter?
James Taylor
Name the differences in accident forgiveness products:
ASC Auto
Gold Accident Forgiveness
Platinum Accident Forgiveness
ASC AUTO: 1 accident forgiven every 3 years
GOLD: 1 accident forgiven every 3 years and deductible rewards
Platinum: Unlimited Accident Forgiveness, Deductible Rewards, and Safe Driving Bonus
Name 3 examples of "optional" coverage on a Home insurance and 2 examples of optional coverage on a Landlord policy.
Home: Water Back Up, Mold & Fungus, Building Codes, Yard and Garden, BSRL
Landlord: Burglary, Vandalism, Building Codes, Fair Rental Income
On a boatowners policy, name 3 examples of items covered under Personal Effects Coverage & 3 items covered under Additional Boat Equipment coverage on a Boat policy.
Personal Effects: Fishing Tackle, Water Skis, Cellphone, Clothing. (personal property)
Boat Equipment: Life Jackets, Anchors, Navigation, Fish Finder (pertains to equipment for boat only)
Everyday, agents should check for ____ before turning off their computer for the day.
PC Updates
“Balloon Girl” is a famous image created by what anonymous street artist?
Banksy
Name 5 discounts on an auto policy
Ez Pay, Good Student, Student Away From Home, Defensive Driving, Drivewise, E-smart, Low Annual Mileage
Define these 3 home coverages:
Building Codes:
Water Backup:
Building Structure Reimbursement Extended Limit
Building Codes: Extends Dwelling Protection (Coverage A) coverage to include the increased costs to comply with local building codes or ordinance required for the construction, reconstruction, maintenance, replacement, repair, or demolition of the dwelling.
Water BU: Provides coverage for back up through a sewer or drain or overflow from a sump pump, sump pump well or other system for removal of subsurface water which is drained from the foundation area.
BSREL: Extends the coverage limit in the event the cost to repair the dwelling or other structures exceeds the Dwelling limit at the time of a covered loss
Call-ins for quotes for new auto, home, or third-lines go to Outbound sales. What is the 1 product call-in that Inbound sales can write for bind credit?
Renters.
This is why its important that YOU offer improved coverage at every opportunity.
What is required to hit your QA monthly bonus?
(Hint: 4 categories + Quote requirements)
Hit all 4 categories: Greeting and Authentication, Offer Review, Ask for Referrals, Ask for Google Review
AND
Must complete 4 third line quotes for 4 different households within month = have 10% close ratio.
Name 3 Cellular Service Providers that are no longer in business today or where acquired by another provider.
(Think: Verizon, T-mobile, ATT)
Sprint, Cricket, Metro PCS, Cingular Wireless