Auto and Home Insurance
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- Preston Atkinson
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1 Auto and Home Insurance Growing Your Business A Road Map to Success
2 Construct a Solid Plan Before building a new house you need a plan to create a strong foundation. Before starting your car you need a plan to reach your destination. The road to success starts with a solid plan. This broker kit is designed to help you construct your own customized strategy to introduce auto and home insurance to your customers. EXPAND YOUR BENEFIT SUITE Total employer-sponsored auto and home market size is over $3 billion with a projected 2-year compound annual growth rate of 4.2% LIMRA data, based on enrolled lives as of December 31, ENHANCE EMPLOYER PORTFOLIO 70% of eligible employees would consider purchasing auto and/or homeowners insurance if their company offered it. MetLife Auto & Home Group Awareness Survey conducted by Harris Interactive, DRIVE LOYALTY THROUGH DIVERSITY OF BENEFITS 80% of employees report that they value benefits that are personalized for their circumstances and ages. MetLife s 12th Annual U.S. Employee Benefit Trends Study,
3 Why Auto and Home Insurance at the Workplace Drive Employee Loyalty Help employers retain top talent by saving employees money at work on coverage that they need and provide an opportunity for them to channel the money they save toward other benefit options. Install with Ease Bring your customers a new benefit option that is easy to install and administer all without adding to their costs. Diversify Your Portfolio Non-traditional voluntary benefits like auto and home insurance offer a fresh way to expand your customer relationships and grow your business. Generate New Revenue Stream Introduce a new benefit option that provides an additional and ongoing revenue stream with annuity-like growth. 3
4 Making the Case for Auto and Home Insurance MetLife has current relationships with over 50,000 employers in the U.S. However, 96% of these customers do not offer MetLife Auto & Home as a voluntary benefit. Let s examine how one broker can positively affect their revenue stream by adding auto and home to their existing cases. Broker Background Our broker has 100 current employer customers with an average case size of 500 employees. MetLife Auto & Home products are not currently in their portfolio offering for these 100 customers. Broker Opportunity / Approach Our broker decides to offer their 100 employer customers MetLife Auto & Home insurance. Emphasizing the importance of employee loyalty, easy installation, diversification of product portfolio and an ongoing revenue stream, the broker developed an enrollment and marketing strategy which consistently communicates the value of the benefit to employees: > Include payroll deduction as a payment option for employees. > Receive agreement from customer that this benefit should be communicated three times a year. > Emphasize additional marketing opportunities such as campaigns and local agent engagement. Broker Results > 10% of the 100 employer customers decide to add auto and home to their benefit suite. > Additional and Ongoing Revenue Stream = 4% Commission on New and Renewal Premium. > 10 new relationships generated $60,000 in New Business Written Premium in Year 1. > Five Year Gross Revenue for the 10 New MetLife Auto & Home cases*= $775,000 New and Renewal Premium. > Five Year Total Broker Commission Paid = $31,000. *3x annual communication with Average Response rates/quote rates, Closing Ratio and Average Premium/Retention. 4
5 Your Strategic Benefits Advisor MetLife Auto & Home Offers: Experience as the market leader in the employer-sponsored marketplace. A wide range of auto and home products with industry-leading features like group discounts and customized pricing based on a company s specific results and their industry. Dedicated resources for enrollment support to partner with each customer in developing customized, proven enrollment plans that drive participation. ease of administration and service with a single point of contact and integrated service across all MetLife products. Keys to a Successful Program: Decision maker Identify your customer s decision maker to help navigate potential pitfalls in onboarding a new benefit and champion efforts to improve performance. Enrollment Strategy A carefully constructed enrollment strategy* at the point-of-sale ensures higher levels of awareness and participation. Strategic Communications Plan The development of a comprehensive, integrated communications plan utilizing proven communication tactics drives optimal results. Payroll Deduction The ease of payroll deduction is a compelling feature to incent employees to purchase and retain an auto or home product purchased in the workplace. *Employees do not enroll in Auto and Home insurance, but must first apply for the coverage. 5
6 How to Build Your Business! On Your Mark. Get Set. Go: Contact your MetLife Representative for a strategic discussion about building your auto and home business: a. Review product suite. b. Obtain the licensing procedures. c. Create a prospecting list. We Can Help: 1. Confirm you are property and casualty licensed. 2. Identify qualified candidates and develop a plan to add group auto and home to their benefits program. With over $3 billion in premium, MetLife Auto & Home is the nation s leading provider of employersponsored group auto and homeowners insurance. AM Best, personal insurance U.S., excl. Terr. by direct written premium. 3. Construct an account plan with your MetLife Representative to grow your business. Full Speed Ahead: Put your foot on the pedal. Learn how to target the right customers for auto and home insurance. Navigate the sales process. And, drive employers to add this benefit. 6
7 Request a meeting with your MetLife representative today and get access to: MetLife case studies Best practices for successful case set-up Broker Commission Calculator Licensing procedures MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices at 700 Quaker Lane, P.O. Box 350, Warwick, RI Coverage, rates, and discounts are available in most states to those who qualify CS 2015 MetLife Auto & Home L [exp0418][All States][DC] PEANUTS 2015 Peanuts Worldwide LLC MetLife Auto & Home 700 Quaker Lane Warwick, RI
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