Published monthly by United Farmers Agents Association, aka UFAA, Chapter 15 Eastern Oklahoma. The chapter meets the first Thursday of each month.
Next Chapter 15 Meeting will be Thursday Sept. 5th 11:30 AM
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The United Farmers Agents Association -UFAA- is a professional association committed to helping our members through education, communication, support and information and to establish a true partnership with Farmers Group, Inc.
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Farmers to pay Taos agent millions after verdict.
Taos News 05.18.2013
A jury in Santa Fe, NM awarded $3 million to a local former Farmers Insurance Agent after a two-year legal battle against the company.
Craig Beaudry, who owns Beaudry Insurance in Taos, filed suit against Farmers Group, Inc., in Santa Fe District Court on February 22, 2011 after the insurance company terminated the agent's contract.
The civil complaint was filed three weeks after the plaintiff argued Farmers arbitrarily sought to sever ties with his Taos-based agency.
"They took away the business I had built for 12 years," Beaudry told The Taos News, Tuesday (May 14). "I had no recourse to defend myself. Farmers closed the door and said it was over."
Four Farmers executives and agents were included in the lawsuit for breach of contract.
The case culminated in a six-day jury trial in Santa Fe during which the plaintiff's attorneys, Pierre Levy and Barry Green, argued against the company's contention that it had the right to terminate its contract at will.
Citing a legal statute known as prima facie tort, Beaudry's attorneys argued Farmers sought to hurt his business in terminating their contract with thirty days notice. "I was hired to do a job, I did it very well. I was a leading agent for them in the state," Beaudry said, adding that he was still not entirely clear as to why Farmers sought to sever ties with his agency. "I still do not understand why they changed horses."
Seeking several million dollars in damages, the plaintiff's attorneys called expert witnesses to testify on the financial losses Beaudry claimed to have suffered as a result of Farmers terminating his contract.
The jury deliberated for about nine hours over the course of two days before reaching a verdict in Beaudry's favor.
The defendants [Farmers] were ordered to pay $1 million in compensatory damages and $2 million in punitive damages. Though the award was less than what he had originally sought, Beaudry said the verdict was a relief. "I felt like we had a scarlet letter on us for several years," he said.
The attorney representing the defense declined to comment on the case but the opportunity to file an appeal remains open.
Don't Miss the Sept. Monthly Meeting
Join us Sept. 5th 11:30 AM at the Shanghai Avenue Super Buffet for the UFAA Chapter 15 Monthly Meeting. 803 North Aspen S/E Corner of S. 145th East Ave & E. 71st St. next to Arvest Bank
Carol Allen, counsel for an Okla Farmers Agent will speak on termination and the
misinformation surrounding the termination. She will speak on contract law areas of concern for us. Discussion of upcoming elections & interested agents to serve.
An update of recent agent court cases as well as UFAA case update.
If you plan to join us for lunch, Please Arrive for Lunch Promptly @11:30
UFAA Meeting begins Noon.
918-663-5848 Fire, Water, Storm Damage & Other Perils
ZURICH (Reuters) - 08.26.2013 Swiss police said the death of Zurich Insurance (VTX:ZURN) finance chief Pierre Wauthier appeared to be suicide.
Josef Ackermann, chairman [of the board] of Zurich Insurance Group AG, said he was stepping down after members of Chief Financial Officer Pierre Wauthier's family accused him of sharing responsibility for the death.
Zurich to look at 'undue pressure' on CFO: Zurich's acting chairman, Tom de Swaan, said Friday that the company's board would look into the possibility of "undue pressure" placed upon Pierre Wauthier, who was found dead Monday and left a note describing his dealings with former chairman Josef Ackermann. Swiss newspaper Tages-Anzeiger of Zurich also reported there was disagreement between Ackermann and Wauthier over how the company's financial results should be presented in its reporting to investors
AP 08.30.2013
Farmers Launches New Corporate Logo
July 31, 2013 IJ
Farmers Insurance has unveiled a new corporate logo as part of the company's next "evolutionary step," the Los Angeles-based carrier announced on Wednesday.
New York City based-Lippincott is the creative partner on the new Farmers logo. Lippincott is the firm behind a number of brands, including 3M, eBay, Infiniti, Samsung, Starbucks and Walmart. The firm was also behind the Campbell's soup can, the Coca-Cola label and the Chrysler brand.
In developing its new logo, Farmers relied upon its first logo designed in 1928, when the company was founded. That logo included the sparkle of a sunrise, the warmth of which the company said represented the optimism of a new day. Roughly 30 years later a shield image was added.
Although it still has the sunrise and shield elements, the latest logo is intended to connect the 85-year-old company's rich past with its promising future.
"Our new logo is meant to be evolutionary rather than revolutionary," Mike Linton, chief marketing officer for Farmers said in a statement. "We are really proud of our logo, but it is time to hit the refresh button. To distinguish yourself in today's saturated insurance marketplace, it's critical that our logo stands out on television, the Web, mobile devices and other media - considerations no one could have imagined in the 1950s when the Farmers logo was last updated."
The sunrise and shield represented an organization that safeguarded its customers, while the new logo "captures our belief that by helping customers make more informed insurance decisions, we can provide them with greater knowledge, confidence and security," Linton said.
He added, "The new logo is part of the Farmers transformation to an organization that not only serves our customers better, but also helps empower them."
The logo is also in keeping with Farmers current "We Believe in Smart" advertising campaign, the company said.
Have you seen the series of Farmers Ads known as "15 Seconds of Smart?" Click here
Yahoo News announced starting Aug. 28th, new Farmers ads will air starring Dick Fowler, P.I. who patrols golf courses rooting out game violators. For the first two episodes click here
Pulse of the Agents Poll Results from August Oklahoma Voice
What is your opinion of the New Farmers Logo?
I like it 20%
I will tolerate it 20%
I don't like it 50%
It's just another ploy for force us to pay hundred$ to re-sign our offices 10%
Online Comments by Insurance Journal Readers
// I wonder how much these people had to pay for this logo. Probably about the same as the new AIG logo that was so sorry.
// I am not a huge fan of Farmers, but I believe every company should have a good logo. This new logo is not a good logo. If I were Farmers I would stick with the old. // Yeah I'm not sure what that's supposed to be. A shield in the front? But what's behind it? Is it a stage for an outdoor concert? // I Like it very much. // Looks more like a logo for a morning cup of joe! // Give 'em a break, guys says: After all they updated their logo, ba bu bu bum bum bum bum. // Looks like an uninspired logo for an even more uninspired company. // I can't wait to put that logo on my 1990 Toyota Corolla's bumper. It'll give my car that "evolutionary" look. // I don't like the new logo. Of course, the old logo didn't impress me, either. Oh, well, I always thought the product was more important than the logo. I'm strange that way. // That logo is awesome if you're from Canada. // I applaud the update-it was sorely needed. That said, I feel the new logo ditches too much of the old logo's visual equity. It's missing one of their standout identity traits: a long experience providing insurance. This new one does not help me feel like they've been a great insurance provider for 85 years. But maybe that's what the direction they want to go.
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If you wish to be excluded from future mailings please let us know by emailing us at ufaa15@gmail.com or by using the Unsubscribe feature at the located within this document. Disclaimer - The Oklahoma Voice is published twelve times per year for the United Farmers Agents Association, Chapter 15 Northeastern Oklahoma. The United Farmers Agents Association and the editor neither assumes any responsibility for the accuracy of the articles or advertisers, nor any liability arising from reliance upon them. The Oklahoma Voice expresses its appreciation to the many members who assist in and support its publication,. Opinions in the Oklahoma Voice do not necessarily express the views of any single member or Chapter officer or UFAA organization. Products and services advertised are not endorsed by this Chapter or United Farmers Agents Association, Inc. Complaints or inquiries should be forwarded directly to the advertiser. All purchases and services are at the complete discretion of the consumer. Trademarks and/or logos are the respective products or trademarks of their respective owners.
Zurich Relocating ChicagoOffice to Greener Work Environment07.31.2013 IJ
Zurich North America will relocate its Chicago office to a LEED-certified building in a location that accommodates its downtown-based employees, the company announced on Wednesday.
Its new Chicago office space at 300 South Riverside Plaza on the 20th and 21st floors aligns to Zurich's corporate responsibility strategy by contributing to the insurer's worldwide goal of reducing its global carbon footprint, the company stated.
Zurich has already begun remodeling its new Chicago office space. The move will take place during the second quarter of 2014.
Zurich's New Chicago Office 300 S Riverside Plaza
Zurich announced it would add 150 employees to its Chicago office over the next three years, raising its total Chicago employee base to 500 insurance and risk management professionals by 2015.
Accommodating that larger workforce was another reason for Zurich's decision to relocate from 10 South Riverside Plaza, the company stated.
"Having a strong presence in the City of Chicago, as well as our North American headquarters in Schaumburg, Ill., underscores our continued commitment to growth and partnership in Chicagoland," Mike Foley, CEO of Zurich North America Commercial, said in a statement.
Zurich's ties to Chicago include insuring the construction for the first section of the Chicago Subway in 1930 and insuring the 1933 World's Fair in Chicago. It's also where Zurich chose to open its first U.S. headquarters in 1912 in the Chicago Loop's then-tallest skyscraper - the Insurance Exchange Building. In 1980, Zurich moved its North American headquarters to Schaumburg, Ill. Zurich employs roughly 2,500 people at its Schaumburg headquarters.
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Farmers selling L.A. Office on Wilshire Blvd.
Farmers Insurance Moving Headquarters to Valley
San Franando Business Journal Tuesday, June 4, 2013
Farmers Insurance Group is moving its headquarters to the San Fernando Valley, the company said Tuesday.
The Los Angeles firm will be putting its landmark Park Mile headquarters on the market and begin shifting the 1,400 employees that work there to the company's Warner Center offices at 6301-6303 Owensmouth Ave.
Farmers Plaza Simi Valley, CA.
"We were looking at having to do some expensive and time-consuming renovations to be able to stay in (the Wilshire location)," said Erin Freeman, a spokeswoman for Farmers. "We decided it would be better to move into a newer, more modern location."
The renovations would have included a seismic retrofit of the Wilshire Boulevard building, which was constructed in 1937. Farmers, founded in 1928, is now owned by Zurich Financial Services Group of Switzerland.
Farmers moved into the Valley buildings in 2011 as part of a consolidation of its Simi Valley location and the offices of 21st Century Insurance, which it acquired in 2009 for $1.9 billion. The campus has since been renamed Farmers Plaza.
The company inked a lease for the 274,000 square feet it currently occupies through 2027, according to Freeman. Terms of the deal were not disclosed.
As the leases of other existing tenants expire, Farmers plans to take those spaces, eventually occupying all of the 540,000-square-foot campus. That full transition could take five years to complete.
While the earlier Farmers real estate consolidation resulted in the loss of nearly 600 jobs, the company is not anticipating any job losses with the current move. Local officials welcomed the news.
"More people working in the Valley means a more robust economy," said Rep. Brad Sherman, D-Van Nuys, in a statement.
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We cannot track your answers and we abide by the Can-Spam Law. We do not sell, rent or reveal your email address. Oklahoma Voice-Editor
Court of Appeal Affirms Summary Judgment in Favor of Farmers Insurance on Independent Contract Issue
On July 11, 2013, the Second Appellate District in Beaumont-Jacques v. Farmers Group Inc.concluded as a matter of law that a worker's ability to exercise meaningful discretion in her job-related efforts rendered her an independent contractor, regardless of Farmers' input regarding the "quality and direction of her efforts." The court held that Farmers did not exercise the "control of the details" of the appellant worker's efforts necessary to create an employer/ employee relationship. As discussed below, the court held that the key consideration was the right to control the manner and means of how the worker performed her duties. The court further held that summary judgment was proper notwithstanding that some of the minor elements of the independent contractor test arguably supported an employer/employee relationship. Read more detail on this issue here.
Oklahoma Insurance Claims from May Tornadoes Top $1 Billion
Zurich/Farmers estimated losses @ $138 million or 13.8% of losses
Insurance payments from the May tornado outbreak across central Oklahoma have now topped $1 billion, state insurance regulators report.
"These numbers are staggering," said Oklahoma Insurance Commissioner John D. Doak. "We've topped $1 billion in payments and the rebuilding is just beginning. We expected to see these amounts and they continue to go up every week. This is a major catastrophe that's impacted thousands of Oklahomans. Some survivors are still dealing with insurance and rebuilding issues. We can't fix everything overnight, but we will be here for them until the last claim is paid."
Oklahomans have filed nearly 91,000 claims since May 19, but some are still dealing with unresolved insurance claims, which is not uncommon three to four months after a large-scale disaster.
Tornadoes blow a hole in Zurich's half-year profits Ins. Journal 08.08.2013 // Irish Times 08.26.2013
Tornado trouble: the aftermath of May's tornadoes in Oklahoma - Zurich Insurance Group is expecting losses of some $138 million as a result of the damage caused by the tornadoes.
Stung by catastrophe losses, Zurich Insurance Group Ltd. on Thursday reported net income of $789 million for the second quarter of 2013, a 27.6% decrease from the company's profits in the same period a year ago. On six-month basis, net income fell 16.9% to $1.85 billion, while gross written premiums rose 3.2% to $19.8 billion.
The Zurich-based insurer's combined ratio for the first six months of 2013 was 95.6%, compared with 94.8% during the same period a year ago. "We delivered these results in a period characterized by natural catastrophes and large weather-related events, including severe flooding in Eastern and Central Europe, tornadoes in Oklahoma as well an unusual number of midsized, weather-related events in the U.S., Canada and Europe," Zurich CEO Martin Senn said in a statement. "The economic environment remains challenging with continued low interest rates exerting pressure on our investment income."
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Oklahoma Continuing Education
Source: OID website 04.21.2013
All resident agents/producers, CSRs and adjusters are required to complete continuing education biennially. The requirements are as follows:
Resident Producers (Excluding Title producers) are required to have 24 hours of continuing education, including three hours ethics and two hours of legislative updates.
Producers that sell, solicit, or negotiate Medicare Advantage or Part D Products or Plans are required to take a 4 hour Medicare Renewal course each renewal period.
Producers that sell, solicit or negotiate Long Term Care insurance must take a 4 hour Long Term Care Partnership course each renewal period after the initial 8 hour Long Term Care Partnership course was taken.
Producers that sell, solicit, or negotiate Annuity products are required to take a one time 4 hour course on Annuity products.
CSRs are required to have 13 hours of continuing education, including three hours of ethics and two hours of legislative updates.
Resident Adjusters are required to have 24 hours of continuing education including three hours of ethics and two hours of legislative updates.
Do you qualify for the free Okla. CE Mentoring Course? See CE Mentor pop up PDF HERE
'Rev Up Your Commission' when you write Farmers Auto NBNH/NLOB
Agents across the country have been asking for help in growing their businesses, especially when it comes to Auto. A new promotion, "Rev Up Your Commission," has the potential to put more money in your pocket. Here's how it works: From August 21 through December 20
, Farmers will increase your commission by 2 ½ percent on every Farmers Auto New Business New Household or New Line of Business policy you write. This means more dollars in your pocket and additional capital to help you grow your business..
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Georgia Is The Most Expensive State To Operate A Motor Vehicle; Oregon Cheapest
NEW YORK, Aug. 21, 2013 /PRNewswire/ --Georgia is the most expensive state to operate a motor vehicle and Oregon is the cheapest, according to a new Bankrate.com (NYSE: RATE) report. Bankrate factored in the costs of gasoline, insurance, repairs, taxes and fees. In Georgia, a typical driver spends $4,233 per year to operate his or her vehicle. That is almost double the cost in Oregon ($2,204). The national average is $3,201.Read more here
Allstate Best Drivers Report 2013 Allstate claims records indicate the best drivers are located in Ft. Collins, CO., who average 13.9 years between auto accidents. Washington DC was ranked with the worst drivers who average only 4.8 years between accidents. Tulsa ranked 100 on the list with 9.3 years while OKC ranked 81 with 9.6 years between accidents. See the listing with 200 cities with populations over 100k ranked here
E.T. Come back home
60% of Direct Buyers Eventually Return to Independent Agents Hanover Study August 6, 2013
Most customers who are lured away from independent agents by direct insurers promising lower prices will ultimately return to an independent agent.
According to a recent study commissioned by The Hanover Insurance Group, nearly 60 percent of consumers who had purchased insurance through a direct channel 10 or more years ago reported switching back to an independent agent because they wanted more value.
This study was conducted for Hanover, an independent agency company, by the research firm InsightExpress, which surveyed 1,000 consumers who purchased insurance through direct channels 10 or more years ago.
Most consumers who switched back to independent agents cited expertise and convenience for their decision. According to the survey, the motivators for consumers who switched to work with independent agents also included the benefits of having one point of contact to handle insurance needs and questions and having the guidance of an experienced personal insurance professional.
"This research demonstrates that consumers really value the advice provided by independent agents and the personal relationships they build with their customers," said Mark R. Desrochers, president, personal lines insurance at The Hanover. "The majority of respondents said their number one reason for switching from a direct insurance provider was to have someone to guide them through their insurance buying decisions. Clearly trust and expertise are important to consumers."
"The study shows that consumers realize the value that independent agents bring. That's why we deliver our products exclusively through agents who are 'the value creating channel,'" said Dick Lavey, president of field operations and chief marketing officer at The Hanover.
Humana sues Farmers over Medicare secondary payer practices 07.26.2013 Yahoo NewsDouble Damages Sought
Humana Inc. has filed four federal lawsuits against Farmers Insurance Group of Cos. and related entities, arguing that the Medicare Secondary Payer Act entitles it to reimbursement from Farmers for benefits that Humana paid for Medicare Advantage and Medicare Part D plans. 'Deceptive practices' alleged- The lawsuits were filed in U.S. District Courts in Kansas, Missouri, Tennessee and Texas within the past two weeks, court records show. Each of the complaints filed by Humana argues that Farmers entities used "deceptive practices" to "shift their financial obligations under the Medicare Secondary Payer law to Medicare Advantage organizations and ultimately to the Medicare Trust Funds and to elderly and disabled Medicare Advantage enrollees."
The Medicare Secondary Payer Act requires self-insured employers, insurers and others to notify the Centers for Medicare and Medicaid Services of workers compensation and liability settlements or payments that involve Medicare recipients. CMS can use settlement funds to recoup "conditional payments" that it previously has made on behalf of beneficiaries to medical providers. It also can require insurers, employers and other "primary payers" to set aside funds to pay for future medical costs related to a beneficiary's injury.
Humana argues in the court filings that Farmers entities served as primary payers, and that Humana and its entities are secondary payers because they acted on behalf of CMS as a Medicare Advantage plan. Therefore, Humana contends that Farmers companies are required to reimburse Humana under the Medicare Secondary Payer Act.
"Plaintiff, Humana Health Plan, has charged Defendant, Farmers Insurance Company, for those services, but Defendant, Farmers Insurance Company, has refused to make appropriate reimbursement to Plaintiff, Humana Health Plan," according to Humana's complaint filed in Missouri on Monday.
Double damages sought
Humana is seeking double damages against Farmers for its alleged failure to "make payment 'promptly' for medical costs for which they are responsible.'"
Humana previously sued pharmaceutical company GlaxoSmithKline P.L.C. in federal court for reimbursement under Medicare Secondary Payer rules. That suit is based on at least $460 million in settlements that Glaxo has paid for patients who suffered complications from using the Avandia diabetes drug.
The 3rd U.S. Circuit Court of Appeals ruled in June 2012 that Humana had a right to pursue its claim against Glaxo. The U.S. Supreme Court declined in April to hear Glaxo's appeal of that case, which was remanded to the Philadelphia County Court of Common Pleas.
2012 TOP 25 Insurance Groups based on Net Written Premiums
Berkshire Hathaway and Allstate swapped positions for 2nd & 3rd rankings in 2012 compared to 2011.
Berkshire had an outstanding 12% growth in 2012 while lowering their combined loss ratio by nearly 8%.
NWP in this graphic includes both U.S and International.
The editor had to cut out most of the top 100 only showing the top 25 due to large size of the Graphic. You can see entire 100 groups at this link << Other pages at this link will give you the top individual 100 P&C companies on Home, Auto, Commercial, etc. Looks like both Farmers Exchange and Zurich dropped in the individual company rankings. -ed Do you remember the time when Farmers Insurance use to be #3 on this graphic following State Farm #1 and Allstate #2? How can we be #9 after purchasing 21st Century that would launch us to the 3rd largest P&C company in the U.S? Just who is to blame for this lower ranking?
Graphic by the National Underwriter Mag PULSE of the AGENTS POLL Let us know what you think on this poll issue by answering one simple survey poll question above. We cannot track your answers and we abide by the Can-Spam Law. We do not sell, rent or reveal your email address. Oklahoma Voice-Editor
TOP 25 P/C Companies 2012
Farmers Exchange Drops from #7 to #8 while Zurich drops to #18 for 2012 compared to #17 in 2011
You may view all of the 100 Top groups and individual companies, plus rankings in auto, home, commercial, etc., by clicking the link at the top of this article. -ed
National Indemnity a Berkshire Hathaway company (Geico) has two companies in the top 10 spot while booting Farmers 2012 ranking to #8 from #7 in 2011
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Top 10 Stolen Cars in 2012: National Insurance Crime Bureau: Hot Wheels List
The annually anticipated Hot Wheels report from the National Insurance Crime Bureau has been expanded.
According to NICB, the top 10 most stolen vehicles will appear by make and model only with its corresponding theft total, but the report also includes various models years with their correspnding theft totals. Click NICB link above.
Illinois Man Repays Insurance Money With 4 Tons Of CoinsAugust 2, 2013 IJ
A southern Illinois businessman has paid off part of a court-ordered legal settlement with nearly four tons of quarters packed into dozens of bags.
Roger Herrin, of Harrisburg, was ordered by an appellate court to repay $500,000 in insurance money related to a 2001 car accident in which his teenage son died.
The reimbursement followed years of legal disputes about how the insurance money was apportioned to the crash victims.
So in protest, Herrin repaid nearly a third of the money - $150,000 - with 50-pound bags of quarters he had trucked in by the Federal Reserve bank in St. Louis. The coins were delivered Wednesday to a Marion law firm. Herrin says he paid in quarters because paying in pennies wasn't feasible.
Hackers and scammers never sleep. They're always looking for new ways to trick you and take your information and money. Facebook is becoming one of their favorite targets.I've warned you in the past about common Facebook scams to avoid. Well, there's a new Facebook scam making the rounds. So far it's tricked an estimated 800,000 users, and it's still spreading like crazy. You don't want to fall for this one. Don't let your friends and family fall for it either; forward this email to them. Click link above for more info.
For her 40th birthday, a wife told her husband, "I'd love to be 10 again."
So that Saturday, they had a heaping stack of chocolate-chip pancakes, her favorite childhood breakfast. Then they hit the playground and a merry-go-round. They finished the day with a banana split.
"So how did you enjoy being a kid for a day?" the husband asked.
"Great," the wife replied. "But when I said I wanted to be 10 again, I meant my dress size."
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Takes out Ackermann, Chairman of Zurich Board
// I wonder how much these people had to pay for this logo. Probably about the same as the new AIG logo that was so sorry.