Home | Contact | Sitemap | Forum add to del.icio.us del.icio.us

www.farmers-online.com - The Comprehensive Resource Site for Agents
ATTENTION! This site is NOT authorized by Farmers Insurance Group (more disclaimers)
Now presented to you in: Widescreen HD - High Definition Mode [ Where available ] !
  Home  
FORUM
Would you like to write a page about your Farmers experience?

Create a Page
PRODUCT INFO

-Farmers Billing
-Life Insurance
-Auto Insurance
-Home Insurance
-District Managers

 
WANT TO BE AN AGENT?

Prospective Agents >>READ THIS<<

Reserve Agent Program

Career Agent Program

Farmers Agent Stories

Farmers Agent Job Postings Dismantled
*NEW Entry*

Farmers Agent Gotchas

 
MISC INFO

Agent Lawsuits

Agent News

Employee Stories

 

DOES YOUR DISTRICT MANAGER SUCK?

VOTE HERE!

The District Manager List and Rankings

 

Who We've Helped :
(submit one)

I was in the process of looking into becoming a Farmer's Agent and ran across your web site. I'm thankful I did. I'm in need of starting a second career and if I had invested the time and money required with the "support" and "tactics" your web site mentions, it would have put me "under." Thanks for the information.

-Anonymous

Want to Help?

Here's How YOU Can!

Click Here

Are you an Agent with another company? You can help too!

THE FARMERS AGENT PROGRAM

 

 

 

 

 

Its money down the drain!

Farmers Insurance Agents and Employees:
Are you an agent now?
Are you thinking about being a Farmers Insurance Agent?
Find out the REAL TRUTH from Ex-Farmers Agents
Farmers Agent Must Read Material

Always Remember >> Safety First!

 

Survey 6 - Insurance Rate Increases : What's Going On?

This survey will address premium rate increases over the last year and upcomming this year in 2008. We're asking agents to report conditions per state so we can publish a clear picture of what's going on:

(Farmers Agents or Employees Only, Please post accurate data. Add any details you wish such as MCA, individual endorsement types etc or just put the overall % change)

1) What State?
 

2) Rate increase for Auto (up to 999 chars)?
 

3) Rate increase for Fire (up to 999 chars)?
 

4) Retention ratios for Auto, Fire, Life and Commercial (up to 999 chars)?  



Notes about Survey 6:

In Arizona we're getting reports that the lapse ratio is running at 22%. Could this be caused by rate increases in 2007? Perhaps! Could this be caused by competitive rate structures of other insurance carriers? Sure!

Could this be caused by Farmers Agents inadequately doing their job?

That could be what the company wants you to think. They'll keep telling you to sell on value and not price. This is the mantra of a company that knows they aren't competitive in the market place and are trying to prey upon people that could be fooled into thinking they are getting a better product for paying "just a little bit" more than they would for Company B.

Should we really believe this? Well lets take a look.

The most recent survey results on JD Power and Associates show:

Overall Experience: 23rd place

Farmers Insurance Group rates in 23rd place of 24 top insurance companies. The only company that rated worse than Farmers was AIG.

Pricing: 23rd place

Farmers Insurance Group again rates in 23rd place of 24 top insurance companies for price. Once again, only better than AIG

If you're selling value, shouldn't you have something of value to sell?

Why did Farmers increase sales requirements and RTD factors by an order of magnitude?

Because they
WANT YOU TO FAIL!

Read More

Farmers Online Surveys

Current Survey: Ethics

Results: Ethics - Results

Previous Surveys:

Resources

The Rumor Mill - ARTICLES IN THE WORKS

Looking for some Dirt?

Farmers New Home Policy - no longer ALL RISK!

 

Have a rumor to REPORT?

Report Here

Letters from YOU!

->More Agent Stories and Letters

 

Farmers Online News:

4-24-08 - Becoming an Agent - Prospective Agent submits comments

4-21-08 - Former DM Staff Confirms - A former employee of a Farmers District Manager confirms misinformation and shady practices

4-19-08 - Farmers Exit Strategy - A current agent asks for advice on leaving

4-17-08 - 25 year Farmers Agent Terminated by Mike Wolf - When agents are in the program too long, Farmers knows its better to get rid of them and pass their policies on to new agents so they (farmers insurance group) can get a 50% discount on commission payouts.

4-4-08 - Quitting While I'm Ahead - Farmers is too much like Primerica!

4-3-08 - Farmers Agent Career is a Sham - DM uses shady dealings to boost production numbers at year end

3-31-08: California Court Allows Policyholders to Question Farmers' Fees

3-29-08: 20k in Owed Subsidy - A recent ex-Farmers Agent threatened with legal action over $20,000 in owed subsidy

3-28-08: Prudential Agent - Commentary from a Prudential Agent

3-20-08: Ex-Claims Adjuster - Story

2-22-08: Current Agent - New Agent, same story

2-8-08: The Nightmare - Advice from an Ex-Agent

2-1-08: Current Agent On The Way Out

1-31-08: Dont be a Farmers Agent - Former Agent writes about his experience

1-29-08: Confused Reserve Agent - DM Staff woes, going to independent side.

1-29-08: Becoming A Agent - Potential Agent Questions

1-29-08: Ethics Survey Closed and Results Posted

1-21-08: Multiple Updates and New Stories added. DM Comments and Ratings updated

1-15-08: Hard to Believe- Reserve Agent Comments

1-9-08: DM Staff Commentary - A staff member from a DM's office comments on the Agent Program

1-1-08: Farmers Worst Ever- Former Agent writes: Worst 10 years of my life

12-30-07: Farmers DM Enters.. - Anonymous Farmers Agent Story about a DM and a PC connected to the old agent dashboard system

12-9-07: Never Become an Agent - Anonymous Farmers Agent Writes

12-6-07: You guys are hilarious - Anonymous State Farm Agent comments

12-2-07: They think they are smart - Anonymous Agent Submission

11-1-07: Letter from an Observer - What it takes - Someone makes a few points about the website and attitude of failure.

11-1-07: Three new letters: Taxes on Subsidy, Looking at Farmers and Fair and Balanced. We touch on the subjects of Tax Events in relation to subsidy, when is it income and when is it a loan? What should a person new to the industry do to make inroads and learn the business. Finally a letter on what one ex-agent thought of our site here so far.

10-10-07: Were Wrong! - Someone gets very angry at farmers-online.com and sends us a submission. Its a funny read.

10-10-07: Former Claims Adjuster- As a former claims adjuster for Farmers Insurance I just wanted to run through some of the bullet comments from my 7 years in that hell..

 

>> See List of Previous Updates Here

 

Dont be a Farmers Insurance Agent

Update: Thanks for your emails so far. Most of what I've been getting are questions and thanks for what we are trying to accomplish here and I definitely encourage you to keep those coming.

Dont forget to submit your story!

It doesnt have to be long, if you only want to write a short paragraph and just concur with what we've said here that works just as well. Remember, the stronger our numbers are, the less power they have over us.

Your submissions are important. This site is new and we are looking for stories and experiences of other Farmers Agents, District Managers, Staff, and Employees of the Farmers Insurance Group. Individually we stand alone, together we can all make a difference. With numbers we can change how Farmers does business. We are here to inform and educate new potential agents and current agents on what to look out for in the program. A lot of money can be made in this business and a lot can be lost. We want to help you make an educated decision!

 

 

Farmers Reserve Agent Program - The first three months of being an Agent with Farmers. 4 in 10 agents will make it through this reserve agent program. The remainder might be recycled into existing agencies as an agency producer or go on with their merry lives without Farmers Insurance. (more)

Farmers Career Agent Program - Career Agent Program starts after graduation from the Reserve Agent Program. This program is for reserve agents whom have passed the requirements to graduate from the 3 month reserve agent program to the 24 month Career agent program. Generally these requirements are to write 40 some odd property and casualty insurance policies and at least 4 life insurance policies. When entering the career agent program, agents must also meet and pass Series 6 and 63 requirements and be licensed for variable contracts and annuities. (more)

Empowering Farmers Insurance terms:

Farmers Insurance and Financial Services Agent

Farmers Agent

Farmers Agents

Farmersjobs.com

District Managers

 

Are you a Farmers Client?
farmers-online.com

This used to be a site for back when I was a Farmers Insurance agent. I apologize if you made it here as a former client of mine and are now confused as to what you are looking at. If you need help locating the current agent that was assigned to you please contact the Farmers Insurance District Office or lookup your agent on farmers.com if you have the name of your new Farmers Agent.

This site is now an educational site for agents, insureds, district managers and employees of Farmers Insurance Group.

Farmers Insurance Careers and Jobs

Copyright 2007 farmers-online.com. farmers-online.com is a non-commercial, non-profit, consumer advocacy site which is also Unauthorized by Farmers Insurance Group and Zurich. All informatin contained is for educational use only. This site is not affiliated with Farmers Insurance Group or Zurich. The voice of the general populous is provided in the form of indirect posting to the site through submissions to moderators. Postings may be edited for spelling and grammar content and responded to with remarks of opinion by moderators.

Additional Disclaimers: farmers-online.com is a website for former Farmers Insurance Agents and Employees and has been converted into an informational site to benefit the current Farmers Insurance Agents and Ex-Farmers Insurance Agents. We want to help you transition from your repressive state of existence to live in the free world. Stories submitted by each agent are experiences of that individual person. Contributions from other sources are also experiences and commentary of that party. farmers-online.com is not a person or a company, it is a inanimate website that represents ideas and discussions of a class of people who are noted as "Current and Former Employees, Agents and DM's of Farmers Insurance Group". Information existing on this site are anonymous submissions of the class representing this website. All information obtained here should be used for educational purposes. Just as you would if you were to read the bible and refrain from heaving stones at prostitutes. We absolutely stress that any decision you make be a fully informed one from every source available to you. farmers-online.com is merely one source to find this information.

All content on this site may be reproduced with permission. You may link to any information provided on this domain without request. In fact we encourage it. If you wish to have your site linked from us, please write for consideration.