Saturday, February 16, 2013

How NOT to Sell Insurance

Have you ever had that call come just as you were putting dinner on the table? Maybe when the kids were in the bath tub...or say at nine o'clock at night when frankly, no one except an emergency should be calling. I was raised with the manners to never call anyone after 8:00 P.M. and never before 8:00 A.M.. I know there are exceptions and having family across the country we disregard that rule. Times have changed a bit, but you just don't expect, nor want, a sales call coming in while the kids are sleeping. I make myself laugh at how "old" I sound sometimes. "Back in my day...we didn't call after 8 or say 'yea' to an adult." Don't get me going there......

OK, I did ask for this call at first. However, bad manners followed. After my son's father was killed in a hit-and-run by a drunk driver this September I've been a bit of a mess. Not only was he one of my very best friends for the past 15 years but we were raising my son together, though in separate homes. One of those things you don't want to think about after such heartbreak is money. He was a budding entrepreneur which translates to not having life insurance. Thankfully my husband is blessed enough to have a good career. However, as a stay-at-home wife and Mom I have no income. We get by because we don't have any daycare or before and after school care to pay for and well...I do everything.

There is a financial value to that that would need to be replaced. So, I've been sad. I still cry a lot. I drink a bit of wine when I'm alone at night. I've been going through panic having the reality of how things can change in less than a second. I've been basically going crazy some days. I have to admit, I'm the not the insurance type since I pretty much don't feel like I have any of my own money to spend on it. In one of my moments I requested information. Yes, I am getting myself life insurance. I would be expensive to replace and I would want to feel like I could still be in some way taking care of my family. That being said I'm not going to jump right in to whomever tells me to buy their policy.

Here comes my ranting...(.as if I wasn't doing that all ready). This guy from AIG called me back a few days later. I was running one of the kids to one activity or another and my husband gave him my basic info but told him when I'd be home. He set a time to call me before we put the girls to bed. 8:00 P.M. He called at 8:45..What????? Really? Is it me or should I have put down "Three Billy Goats Gruff" and went running to the phone? He was told to call back the next day.

A week later he called again when I was running out the door to one activity or another...4 kids mind you keep you moving. He set a time to call. I am home all day most days. It's not like I'm that hard to get a hold of as long as it's not during after school activities. So, he was asked to call back. "So sorry I'm being difficult" I nicely tell him.

Another week later he calls at night. "Hey, this is Patrick" Who? "Your AIG director" Huh? A month or more has passed since I've requested a quote....one my computer said was going to email me immediately. I just wanted to know a ball park figure so I can start comparing. He was so familiar with me that I felt it was rude. We're not long time pals. You expect me to remember your voice?

I was very pleasant..because I can be nice sometimes:) I did say that I had expected to hear from him a long time ago when I was told to wait for his call. He set the times...then never called. I told him that I was no longer going to worry about it. He said "Well I won't worry about it either then" in a very snotty tone. Snotty....I have a teenager..I KNOW snotty..and that was snotty. Now, I don't know anything about AIG and I don't really have complaints about a company I don't know...and was unable to even hear anything about. However, I can tell you that I am finding my insurance someplace else.

Is it me, or have we lost our basic manners in our business affairs? "Back in my day......."

I'm done now:)