Published monthly by
United Farmers Agents Association, aka UFAA, Chapter 15 Eastern Oklahoma. The chapter meets the first Thursday of each month.
No mtg. on Jan 2, 2014
UFAA: "Created by Farmers Agents for Farmers Agents"
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OKLAHOMA
Next Chapter 15 Meeting will be Thursday Dec. 5th 11:30 AM SHANGHAI AVENUE SUPER BUFFET 803 N. Aspen
Next to Arvest Bank @ S/E corner of S. 145 East Ave (Aspen)
& E. 71st St (Kenosha) Broken Arrow. Chinese - Japanese - American Foods
Accepts all major credit cards.
Non-UFAA Members Welcome.
Chapter 15 will not have a monthly meeting on Thursday, January 2, 2014
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The First Amendment to the U.S. Constitution
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Oklahoma UFAA Contacts:
UFAA Chapter 15 serving Eastern Oklahoma:
President- Glenn Johnson 918/252-0561 Tulsa
UFAA Chapter 12 serving Central-Western Oklahoma:
President- Jeff Roberts -580-224-0808 -Ardmore
United Farmers Agents Assn. National Office 800-275-8668
UFAA Oklahoma Voice Editor
UFAA Oklahoma Voice Ads
To join an Oklahoma UFAA Chapter
choose one closest to you and
contact the chapter. Or, sign
up at the UFAA Website.
United Farmers Agents Association Web Site
UFAA Chapter 15 Newsletter Archive & Homepage
Letters to the Editor
Learn more about our advertisers in this issue. Ads are hot links to their websites. 
"It's great that UFAA Tech can access my computers and correct problems via the Internet.
A great member benefit."
UFAA Member
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Join us Dec. 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
MAP Message From the President:
AGENDA For Dec. 5th Chapter 15 Meeting Lunch Sponsor Is Noah Harrelson Appliance Repair
Election of 2014 Chapter 15 Officers
OKC Chapter 12 status
Chapter 15 Recruiting letters
January Chapter 15 Party Toby Keith's Hard Rock Casino
Date: TBA Time: TBA
Okie Voice Ad- Sales of Agencies + for Office &/or CSR Sharing
Sales of Agencies on hold & those in progress canceled in KS, OK, MO, AR.
Attend meeting to find out details!
No Chapter 15 Monthly Meeting on Thursday, January 2, 2014
NON-MEMBERS ARE WELCOME
If you plan to join us for lunch, Please Arrive for Lunch Promptly @11:30
UFAA Meeting begins at Noon. ==========
"I did not realize what UFAA was or what they could do, until I started attending chapter meetings & conventions sharing information with agents across the U.S."
UFAA Member
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 | | Black mold shown under porch in Irvine, Tx 2002 |
Ten Year old Mold Case back in the news
Insurance Journal 11.04.2013
The state of Texas and Farmers Insurance want to settle decade-old claims of overcharging and under serving customers for 117.5 million dollars, which would be one of the largest insurance settlements in state history but less than what some people wanted.
A proposal filed in Travis County district court is expected to be reviewed by a judge in January, The Dallas Morning News reported.
If it's approved, Farmers would pay out the money in refunds and credits to Texas policyholders between 2000 and 2003. The agreement has the approval of both state insurance officials and Farmers executives.
"It's been a long time coming and we are looking forward to helping Texas policyholders get the refunds they deserve," Insurance Commissioner Julia Rathgeber said.
The deal is nearly identical to an agreement reached in 2003, which was held up by a group of Farmers customers who said it wasn't enough.
"It was a sweetheart deal for Farmers 10 years ago, and it is still a sweetheart deal today," said Alex Winslow, of the consumer organization Texas Watch. "It appears that the commissioner and attorney general are just rubber-stamping a bad deal for consumers."
The Texas Department of Insurance had accused Farmers of overcharging customers and cutting coverage in the wake of spiraling claims of mold in homes statewide. The state said some customers didn't get discounts they were supposed to receive, and others paid more for auto and home insurance because Farmers looked at inaccurate credit reports.
Farmers would counter sue. A decade later, it will admit no wrongdoing as part of the settlement, and it will not pay any interest on the money paid to customers.
"Closure of this case has been delayed since 2003 due to appeals filed by a small number of plaintiffs," Farmers spokesman Mark Toohey told the newspaper. "Since the settlement agreement was first announced in this case more than 10 years ago, Farmers Insurance has been and continues to be strongly committed to its finalization." Farmers is the third-largest insurer of homes in Texas.
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"The Oklahoma Voice has been branded UFAA's best monthly communications publication."
Tom Schrader, President United Farmers Agents Association 10/15/2013
If you would like to send emails or newsletter updates to your clients, we highly recommend using Constant Contact (CC). The lonely office months of the holidays is a great time to get up to speed on this program -Okla. Voice Editor
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 AGENT PIF Losses Top 1 Million Through Sept 30, 2013
In the October, 2013 Oklahoma Voice, we reported 664,000 Autos, Homes & Businesses Evaporated from Farmers Agencies in the first 6 months of 2013 (Jan1-Jun30). That's a loss of 110,066 PIF from agencies per month over and above policies written in the same period. Agents wrote 64,000 Specialty policies or 10,066 monthly only slightly helping to offset the PIF drain. However, In the 3rd quarter 2013 (Jul-Sep) PIF drop increased to 111k monthly while there was only a 1k PIF gain in Specialty. <<What's going on here?
As we have stated before, gains in Specialty tends to skew the real PIF loss figures. So, rather than the total PIF loss being 982k, as shown in the Zurich Graph below, we back out the +65k in specialty to reveal the real loss figures for Auto, Home and Business of 1,047,000 in the first 9 months. If that trend continues the loss will nudge 1.4 Million by the end of the 4th Quarter on Dec 31st.
With an increase in seasoned agents bailing out of Farmers, we loosely estimate 10,000 agents with a guessing avg of 2.1 PIF per H/H. That would equate to agents losing 105 PIF or 49 households over a 9 month period, again, over and above PIF written during the period.
According to the Community Page on Dashboard, agents are livid over this issue and has been viewed by the highest number of agents under the most appropriate subject of "Enough is Enough." Take a look at it, as there are some great comments. Remember, the graph below is based on thousands of PIF so, millions appear before the comma and thousands follow the comma.
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Farmers Agents to Market 21st Century Products 4th Qtr. 2013??
The 2012 Okla. Insurance Dept. Annual Report shows company GWP in Oklahoma for the year of 2011. According to that report, 21st Century had 10 companies licensed in Oklahoma in 2011. Five appear nearly or totally unprofitable and three have are no activity leaving two companies with $4.1M in 2011 profitable income.
Company Okla Premiums Losses
21st Century Assurance 2,816,837 756,887
21st Century Cas Co 0 0
21st Century Centennial Ins Co 2,318,583 2,194,516
21st Century Ind Ins Co 384,112 201,172
21st Century Ins Co 0 0
21ST Century Ins Co S/W 0 0
21st Century N Amer Ins Co 1,310,726 327,420
21st Century Pacific Ins Co 964,028 787,313
21st Century Premier Ins Co 3,772 2,351
21st Century Security Ins Co -389 260,649
According to the OID, Foremost has filed several changes to place Farmers paper on their policies sold by Farmers Exclusive Agents. 21st did file auto rate changes in their Centennial company of +6.6% in 09/2013 and +11.0% in 03/2013, +2.2% in their Pacific company effective last Sept.
21st C Assurance Co. filed for the FA2 Direct Private Passenger Auto Program auto changes with a rate effect on 08/2013 of +6.0% +273,292.00 It would appear Okla Farmers Agts will sell the 21 C Assurance Co. with the FA2 change. See the article below on J D Power 2013 Auto Claims Rankings. Sorry, no 21st C fire policy filings for Okla. were found in 2013.
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"It's great that UFAA Tech can access my computers and correct the problems via the Internet. Better yet, It's free as members get 1 hour monthly of free UFAA tech support." UFAA Member
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 J.D. Power Releases 2013 Auto Claims Satisfaction Study 10/31/2013 Of the 25 insurance companies included in the claims study, 13 experienced an overall satisfaction improvement since 2012. The top 10 include: - 1. Auto Club of Southern California Insurance Group (889)
- 2. Auto-Owners Insurance (874) 3. The Hartford (873) 4. Erie Insurance (872) 5. Amica Mutual (871) 6. Travelers (871) 7. State Farm (870) 8. American Family (867) 9. Nationwide (867) 10. The Hanover (862)
Claimant satisfaction directly correlates with advocacy and loyalty. The study showed that of respondents who were "delighted" (scored 900 or higher), 80 percent "definitely" would renew their current insurer, while 79 percent of those customers "definitely" would recommend their insurer to others. However, for claimants who were "pleased" (scores of 750-899), only 53 percent would "definitely" renew and likelihood of recommendation drops to 45 percent.
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Farmers & 21st Century Claim satisfaction & points below Industry Avg. have dropped year over year. In fact, Farmers Insurance doubled their points below industry avg. from 2012 to 2013. -ed
Satisfaction: 2012 2013 +/- Points below Ind. Avg: 2012 2013 +/-%
Farmers Ins. 838 pts 827 pts -11 Farmers Ins -14 -28 +100
21 Century 821 pts 820 pts -1 21 Century -31 -35 +13
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"I have saved enough money on my UFAA sponsored Errors & Omissions policy to pay for my annual UFAA dues of $360." Okla UFAA Member
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 | | Click here to obtain an Oklahoma UFAA Membership App |
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Click logo above to view the UFAA Website
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If you wish to be excluded from future mailings please let us know by emailing us at ufaa15editor@ufaa.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. |
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Dear Member: Election Notice- 3rd & Final Reminder
In accordance with our Chapter 15 and National Bylaws, this serves as official notice of our upcoming meeting and Chapter 15 Elections to be held at our usual meeting place on-
Thursday, December 5, 2013, at 11:30 AM at the Shanghai Super Buffet 803 N Aspen Ave, Broken Arrow, OK.
Any regular member or chapter member emeritus in good standing may also announce their candidacy for one of these offices by notifying me by return email, no later than 8 AM, CST on the date of the election. Candidates must be present at the Dec 5th meeting.
If non-candidates cannot attend the meeting, you are encouraged to vote by email created by you. This or a future reminder may serve as your ballot information, but your vote by email must be received by 8 AM on the date of the election to be counted.(First notice of elections- Oct. 2013 issue of the Okla. Voice. 2nd Notice Nov. 2013 issue of the Okla. Voice.
If any new candidates apply, the ballot will be updated and you will be duly notified.
The following names have been placed in nomination for Chapter 15 Officers for 2014:
President- Glenn Johnson
Immediate Past Pres. Mike Ward
VP- Mike Gately
Secretary- John Wiley
Treasurer- Terry Wilson
Nominated Delegates to the National Convention at the Tropicana Hotel & Casino, Las Vegas in June 2014: Same as listed above.
If you agree with the nominations listed above, you should email me with your email subject of "Chapter 15 Elections" and state your agreement with those nominated... or file as an additional candidate for a position listed above. Your email must be received prior to the deadline stated in this election notice. My email link is shown below.
Sincerely,
Glenn Johnson Chapter 15 President
United Farmers Agents Association
Chapter15@ufaa.com |
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I discovered my UFAA Sponsored E&O Policy was portable when I left Farmers and opened my independent agency." UFAA Member |
Oklahoma Chapter 15 Invites you to join UFAA with our bonus $100/$50 Membership Discount
Offer Good through 12/31/2013
1. During our 50-100 Membership Bonus, ANNUAL regular membership payment receives 100 dollars off first year's dues, paying 260.00 the first year.
2.SEMI-ANNUAL regular membership payments discount is 50.00 dollars- 25.00 when you join and 25.00 at 6 month renewal or, 155.00 payment x 2.
3. Renewing membership must have lapse of more than 90 days to qualify for the bonus discount.
Mark the app as "Renew" if that applies to you.
No discounts for monthly pay,
New Applicants are assigned to Oklahoma Chapter 15, unless otherwise stated.
Associate, Affiliate and Career Agents can join UFAA too!
But, no bonus discounts apply as your dues are already discounted as shown on the
App can be filled out on your computer, printed and signed. If paying with CreditCard fax completed app to 918-252-0563. If paying with check mail completed app & payment payable to UFAA c/o Glenn Johnson Agency 8030 S Memorial Dr. Ste C-1 Tulsa, Ok. 74133.
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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 biennial. 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 |
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Farmers Hikes E&O Rates for 2014
Agents can expect an E&O rate increase effective 01/01/2014 for the third year in a row under the Farmers E&O Program.
Farmers waiting until the last possible moment (they normally file 08/1) but they filed for an average 9.4% rate increase across the group. This means in the last 3 years, the Farmers sponsored E&O plan has increased its rates nearly 18% (17.95%). Farmers did not file for any coverage enhancements, only a rate increase. Get more video info and your UFAA sponsored E&O. It's not to late to obtain your E&O Quote Here. This is your opportunity to change E&O Carriers for 2014 for better coverage & great opportunity of lower premiums. < Many qualify.
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Zurich Insurance Reports Profit Rebound
In an article titled above on Nov. 15, 2013, the Insurance Journal reported: Zurich is scheduled to give an update on its current three- year targets on Dec. 5. Those targets include improving the combined ratio, a measure of profitability, by as much as 4 percentage points in general insurance relative to competitors including Germany's Allianz SE by the end of 2013, and increasing the market share of its Farmers business. Read the article here
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 Are you selling your Agency?
Why not advertise with the "Only Association Created by Farmers Agents, for Farmers Agents"
You can run your agency for sale ad in the Oklahoma Vo ice read by the most Oklahoma agents qualified for the purchase of your agency. Ad Rate: To be determined
Contact: ufaa15editor@ufaa.com
Chapter 15 has been in discussions to expand the Agency for Sale Ads to include-
Agency Signs
Office Equipment
Office Sharing with other agents
CSR Sharing
General Items for sale or wanted
Breaking News: Agency Sales Halted
Announced to DMs in Head of State meeting ( OK, AR, KS, MO ) earlier this month, no agent mergers - "now through year end" ...maybe til April 2014 ? Some in process stopped. Apparently diminishing agent numbers looks bad - to Zurich?. New agent recruiting back in top focus spot. An outsider can still buy an existing Farmers agency (no net loss in agent numbers that way ).
source: Dashboard: Farmers community page
Pulse of the Agents Poll
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Are you considering buying an available Farmers Agency?
Beware of the "Inequities Agreement"
The Inequities Agreement has been around for decades. It's a company form that is required to be signed by the buyer upon the sale of an agency from another. In the past, it's only been used in family sales based on previous AAA contracts that only allowed an agent to sell to family members.
But, we are in a new era where agents can sell to another person, approved by the companies. One would believe that a current Farmers Agent could purchase a Farmers Agency without problems. And, that may be true. But, in a recent 2009 Oklahoma case of Bilby vs. Farmers where the agent son was selling his agency to his agent dad, the sale was completed and all was well for a several weeks until the dad's agency phone rang.
The company said there was one more form needed signed to complete the family sale and they faxed it to the purchasing (DAD) agent for signature. The form was in legal-ease and difficult to understand.
Per the Inequities Agreement, the purchasing agent would receive (full commissions) on the purchased policies, however, the policies would not accrue to the contract value of the purchasing agent for
5 (five) years. Now, the purchasing agent DAD buying the agency (from the selling son) was 75 years old. The dad was planning on retiring and cashing in his contract value for retirement, including the purchased policies from the son as part of that contract value. This spurred the lawsuit.
When this was brought to the attention of the judge, she stood up from the bench demanding from the company's lawyer, "Who owns the purchased policies in the event the DAD dies or becomes disabled within that 5 year period and has to sell out"? The attorney sheepishly replied, "The Companies!" "Not in my court" stated the judge."This form is null and void and the sale is completed, as previously stated by the companies, without limitations. I find for the plaintiff Bilby on this issue. Court dismissed!"
Let this be a lesson. If their is no IMMEDIATE contract value, or retirement value in you purchasing another agents business, let that send up the red flags. In the past, this form has been presented for signature to the purchasing agency weeks or even months after an approved sale is allegedly completed. It's a permission form to give the companies a right to reclaim your purchased business income property, within a stated period, without payment. That is, If the purchasing agent ceases his/her farmers agency for any or all reasons while the contract value delay period still is in effect. It also contains other limitations during the delay period, such as not counting purchased policies in calculations of a contract value bonus and qualifications of contests and company trips. Today, that agreement may be incorporated in the companies sale contract, or an addendum and may have a completely new name, if it even still exists in any form.
A lawyer is REQUIRED for a Farmers Agency purchase transaction by the buyer and perhaps, even the seller. Period! In God we trust. With Farmers, we must get a legal opinion!
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$LETTER.GREETING10$
From the Oklahoma Insurance Department
The following "Final Orders" are from the OID public information legal section of the OID website. These violations and penalties are shown here to ONLY warn, inform and educate you on Okla. Insurance Laws. No cases this month. -ed
As we [the OID] work to help you comply, we will vigorously enforce 59 O.S. § 1310 (A) (21) which relates to failure to notify of change of address. ADDRESS CHANGE:
Okla Ins Dept: Change of address or name more than 30 days after the change occurred shall be no less than a $100 fine. The Oklahoma Insurance Department encourages all licensees to update their mailing personal and business addresses and email addresses as often as possible. This feature is available free of charge by visiting the SBS website
New Oklahoma Law Allows Seizure Of License Plates IJ 11/14/2013  No Insurance - No Tag
Law enforcement officers in Oklahoma will soon have the option to seize license plates from uninsured drivers and assign temporary insurance under a new law passed this year by the Legislature. The law went into effect Nov. 1 allowing the seizure, but the Oklahoma Insurance Department said agencies won't implement the changes until January as procedures are established. "This is an innovative approach," state Insurance Commissioner John Doak said. "It gives that law enforcement official, whether they be in rural Oklahoma or a metro area, a chance to make that decision" to seize the license plate instead of towing the vehicle, as allowed under a 2010 amendment. "The ability to have both as an option will be a good thing," said Maj. Shannon Clark of the Tulsa County Sheriff's Office. Under the law, temporary liability insurance can be assigned when a citation is issued for failure to comply with the compulsory insurance law. The Oklahoma Insurance Department estimates that about 563,700 vehicles are uninsured in the state, the Tulsa World reported Tuesday. That amounts to about 8.8 million in lost excise tax on insurance policy premiums each year, the Insurance Department said. "I've yet to be in a room ... that uninsured motorists haven't been a very big issue, and it impacts our entire state," Doak said of his yearly county-by-county tours. The January enforcement date will allow the state time to establish the plan and coordinate training efforts with organizations such as the Oklahoma Sheriffs Association, the plan administrator. The Oklahoma Sheriffs Association will also be responsible for receiving and disbursing a 125 dollar administrative fee incurred by a driver when a license plate is seized. Portions of the fee will go to the county sheriff's office, the law enforcement agency that issued the citation, the temporary insurance premium pool and the plan administrator. The fine for failing to comply with the compulsory insurance law is $250. OID FILING ACTIVITY FOR 09-01-2013 THROUGH 09-30-2013
164 Farmers Insurance Exchange
Mid-Century Insurance Company
Truck Insurance Exchange
The companies are filing revisions to the rates and rules for use in the Commercial Businessowners Program. The overall effect is +14.7% +2,623,741.
Disposition Status: Filed
05.0 CMP Liability and Non-Liability
05.0002 Businessowners
Submission Date: 08/23/2013
Effective Date: 08/01/2013
Disposition Date: 09/17/2013
166 Farmers Insurance Exchange
Mid-Century Insurance Company
Truck Insurance Exchange
The companies are filing new optional form, Business Income Loss Payee J6859 7-13 for use in the Businessowners Program.
05.0002 Businessowners
Submission Date: 09/09/2013
Effective Date:03/01/2014
Disposition Date:09/17/2013
167 Farmers Insurance Exchange
Mid-Century Insurance Company
Truck Insurance Exchange
The companies are filing revisions to the rates and rules for use in the Commercial Auto Garage Liability Program. Overall effect is +15.1%/+90,707.00
Disposition Status: Filed
20.0 Commercial Auto
20.0002 Garage
Submission Date: 09/12/2013
Effective Date:09/01/2013
Disposition Date:09/17/2013
409 Zurich American Insurance Company
The company is filing a revised form for use in the Directors & Officers Liability Program.
Disposition Status: Approved
17.2 Other Liability-Claims Made Only
17.2006 Directors & Officers Liability
Submission Date: 08/30/2013
Effective Date:10/01/2013
Disposition Date:09/16/2013
186 Foremost Insurance Company Grand Rapids, Michigan
The company is filing 18 new personal inland marine forms to be used with Marine Choice Program. This filing has been amended to comply with several Oklahoma Statutes.
Disposition Status: Approved as Amended
09.0 Inland Marine
09.0010 Boatowners/Personal Watercraft
Submission Date: 08/07/2013
Effective Date: 11/01/2013
Disposition Date:09/06/2013
184 Foremost Insurance Company Grand Rapids, Michigan
The company is filing revisions to the rates and rules for use in the Homeowners Program.
Disposition Status: Filed
04.0 Homeowners
04.0003 Owner Occupied Homeowners
Submission Date: 03/14/2013
Effective Date:09/01/2013
Disposition Date:04/30/2013
185 Foremost Insurance Company Grand Rapids, Michigan
The company is filing for the Dwelling and Homeowners Insurance Program to revise base rates, deductible factors and base deductible and change the title of three endorsement rating rules to track with changes made to the endorsements. The filing is amended to include a revised
manual page with corrections. The overall rate effect is +5.2%/+781,248.00
Disposition Status: Filed As Amended
01.0 Property
01.0002 Personal Property (Fire and Allied Lines)
Submission Date: 03/14/2013
Effective Date: 09/01/2013
Disposition Date:04/16/2013
1 21st Century Centennial Insurance Company
The company is filing for the Private Passenger Automobile Program to revise base rates, bodily injury coverage increased limit factors, bill plan discount, tier factors, symbol factors and vehicle symbol assignments and remove agreed value coverage. The overall rate effect is +6.0% +77,939.00
Disposition Status: Filed
19.0001 Private Passenger Auto (PPA)
Submission Date: 08/27/2013
Effective Date:09/09/2013
Disposition Date:08/30/2013
3 21st Century Pacific Insurance Company
The company is filing for the Private Passenger Automobile Program to revise base rates and bill plan discount and remove base rates and increased limit factors for single limit liability and single limit uninsured motorist coverages. The overall rate effect is +2.2%/+14,009.00
Disposition Status: Filed
19.0 Personal Auto
19.0001 Private Passenger Auto (PPA)
Submission Date: 08/27/2013
Effective Date: 09/09/2013
Disposition Date:08/30/2013
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Check out the UFAA Chapter 15 Home Page with more Farmers, industry news, member benefit information, newsletter archives, including breaking news too late or too large to publish above.
The Articles below are on our Home Page link this month. Some may have a link for direct access.
UPDATED: Okla. Company Comparison Rate Charts- Auto: 11/13 Home: 11/13
Will Farmers stay in their big Olathe, Ks office Complex?  JD POWER ranks Industry on Small Business Commercial Insurance Study
 Fitch Ratings Affirms and Withdraws A+ Farmers Exchange Ratings
Fitch Ratings has affirmed and withdrawn its 'A+' Insurer Financial Strength ratings on The Farmers Insurance Exchange (Farmers) and its affiliated property & casualty Insurers. (These articles are on our home page link above) Do you believe Farmers Agents should have more access to the 48 FGI managed companies expanding products and sales?
Read more here: http://www.kansascity.com/2013/11/20/4637116/farmers-insurance-signs-10-year.html#storylink=cpy
Read more here: http://www.fresnobee.com/2013/09/30/3528526/eeoc-claims-discrimination-by.html#storylink=cpy
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 =============================== Okla Ins Dept: Change of address or name more than 30 days after the change occurred shall be no less than a $100 fine.
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