Dear State Farm Underwriting,
You guys are the worst. I’m going to address each of you.
Auto:
You guys are obviously the most volatile market. However, I can never get two of you to agree on the same answer to the same problem. Please tell me why when you issue my policy higher it’s always due to the nebulous “CRI” that not one of you can explain? Also, you guys have made agents looks stupid time after time. Why? Because we can do everything right in the system, enter all the information correct, and then you’re screwed by whatever the random underwriting generators decide. Wonder why we lost that number one spot? Don’t even get me started on ATVs and the BS you guys require for those.
Fire:
You guys are almost as bad as auto. Short of physically climbing on the roof myself and taking photos of the granules, we might as well just say that each and every roof is ineligible for new business. Wanna write a PLUP? That’ll take two months to issue. Wanna write a PAP? We need the blood of their first born child to insure this silverware collection. The only saving grace for fire is that if you magically find something that’s eligible with them they rarely actually issue different that quoted.
Life:
You guys are by far the worst underwriters we have when it comes to the length of time it takes you to issue a policy. Tell me why I still have policies from February pending underwriting review? I’m pretty sure either all of you walked out or it’s being run by Dr. Evil. Not sure which. Either way it’s God awful. Not to mention the ones who take two months to order a medical review on someone. It’s hard enough to get them to complete it but now you want to come back after two months of “underwriting” and ask for it.
Oh and by the way guys these are the folks that are going to have an influx of policies because the new contracts require a shit ton of life to be written.
Health:
You guys are great. Please fix these other departments.
TLDR: Underwriting sucks