Allstate's Greed Will Destroy Careers And Lives

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Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Tue Feb 02, 2010 4:09 pm

*Allstate, The Modern Day Scrooge...

*It Is Sadly Unfortunate That, In Order To Make A Living, People Should Work For A Cruel, Heartless And Disgraceful Company Such As Allstate.
Does Allstate Not Realize That While Being A Large Corporation, They've Accepted, As Public Policy, The Responsiblity For Peoples Welfare?
Should They Not Be Devoted To The Well Being Of Their Loyal Employees, Their Families, Their Customers, As Well As The Public?
Along With Annihilating The Company Itself, Allstate's Greed Will Destroy Their Agents, Employees And Their Families.

Ratpak11


*Leaders With Vision Will Not Sleep Until They've Made The World A Better Place.
Leaders Who Are Bean Counters Will Not Sleep Until The Debits Equal The Credits.


http://insurancenewsnet.com/article.aspx?id=157081

Allstate Agent Association: Company to Terminate 3,000 Existing Agents
February 01, 2010

Thousands of existing Allstate agents are to be eliminated within the next two to three years as the company sheds those it thinks are not meeting specified production quotas, according to the National Association of Professional Allstate Agents.

Association Executive Director Jim Fish said more than 3,000 agents are being sent termination notices. Many agents are "older agents -- 50 to 60 years old -- who might be servicing their book of business and maintaining high retention and loss ratios, but that isn't enough for Allstate."

"They (Allstate) are looking to add high-value, production-oriented new agents" to hit marks on new business and premiums the NAPAA says are established by Allstate. Fish said the "so-called" Allstate independent agents are anything but, constantly controlled by the company in "every aspect of the business" from hours of operation and holiday schedules, to personnel requirements, Fish said.

Allstate spokesperson Maryellen Thielen said the company "has not set targets for agency numbers or size."

"We intend to grow and succeed with Allstate agencies," Thielen said. "We’re providing incentives and tools for Allstate agencies to provide a consistently superior customer experience. We’re also incenting agents to grow and enhance the customer service their agencies provide. We’re actively recruiting new agents to further enhance and strengthen our local presence."

NAPAA President Bob Isacsen, who said Allstate "doesn't acknowledge we exist," said the insurer has used agents as a scapegoat for "ineffective leadership."

"You have non-insurance people running the company and running it into the ground, if you ask me," said Isacsen, who owned an agency for 21 years before selling about three years ago to retire. Isacsen, who is now the managing director of risk and insurance services at United Nations Federal Credit Union, said many agency owners will not be able to sell now due to a "dearth of available buyers."

Just before Christmas, a federal judge approved a $4.5 million settlement between the Equal Employment Opportunity Commission and Allstate Corp. to officially end allegations of age discrimination. A class of 90 older former employees of Allstate will share the award. Its lawsuit, filed five years ago, alleged Allstate Insurance Co. violated the Age Discrimination in Employment Act (BestWire, Dec. 22, 2009).

The EEOC alleged Allstate in 2000 began a reorganization plan in which it fired all of its sales agents and offered to make them independent contractors. Part of the plan said that former Allstate sales agents could not be rehired in other, nonagent positions for one year. In the lawsuit, the EEOC said that more than 90% of those agents were older than 40, making the hiring policy in violation of the federal ADEA (BestWire, Oct. 27, 2009).

Allstate said it chose to agree to the settlement to avoid further litigation costs but continued to believe its position was correct and that it would have prevailed in court.

In afternoon trading on Feb.1, shares of Allstate Corp. (NYSE: ALL) stock were selling at $29.83, down 0.33% from the previous close.
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Re: Allstate's Avariciousness Will Destroy Their Agents

Unread postby RatPak11 » Thu Feb 04, 2010 10:51 am

http://www.thestreet.com/story/10673675 ... en=GOOGLEN

Allstate - Mired in Investment Mess, Cuts Agencies
By Gavin Magor 02/03/10 - 01:43 PM EST

New York (TheStreet) - Allstate (ALL Quote) reported disappointing results through September primarily driven by poor performing investments and has started trimming agencies to compensate for losses. Investors will be expecting to see a positive earnings report for the fourth quarter reflecting these moves or it will be under further pressure from shareholders.

Poor investment returns and pressure on policy income have put pressure on the company. It was overlooked earlier in 2009, in favor of Travelers (TRV Quote), when the DOW was looking for a replacement for Citigroup (C Quote).

The third quarter results included a $552 million loss on securities one quarter after reporting a $365 million gain. With $54.7 billion in invested assets in its life and annuity business, it shrank 5.4% from the first quarter. Bonds grew 4% as a percentage of the portfolio. The net yield underperformance by 42 basis points, compared to the life industry, continues the poor track record. Complaints about CEO Tom Wilson's business strategy have been heard from Allstate agents.

The Chicago Tribune reported on Sunday that Allstate could shed 20% of its agents in the coming years. It appears that the 2008 loss of market share is even being laid at the door of profitable agents. The third quarter of 2009 saw a drop of 2.2% in net premiums written compared to the prior year. Questions have been asked about why a company would get rid of profitable agencies, even suggestions that it is "stupid".

Pressure is growing on Allstate from several quarters. The American Federation of State, County and Municipal Employees pension fund is reported by SNL Financial to be targeting Allstate, among other companies, to address accountability and transparency issues. Allstate is on the list of firms potentially subject to the Obama bank tax.

Additionally, the property and casualty market is softening. SNL projected that industry results for the fourth quarter will show premium income down and with better efficiency, profitability up. Allstate is estimated to have the largest net premiums earned, but its profitability after expenses is expected to be close to Travelers.

Investors might look out for the mortgage-backed securities investments when the fourth quarter is reported. $13.3 billion of MBS and ABS were held at the end of the third quarter. With commercial real estate still under pressure, and the retail market in flux this is still a substantial position, even though it is down 43% since the 2008 year end.

Of the thirteen insurers with a market cap above $10 billion, Allstate's stock has a high P/E ratio of 18.3 versus the average of 9.4. Chubb (CB Quote), for example, has a P/E of 6.2. Despite this, Allstate's price-to-book value of 92.7% is comparable to the average of 91.4% for all insurers but low compared to 129% for the largest insurers. This suggests that it is poor performance rather than a fundamental overvaluation of the stock holding prices down.

The stock offers a 2.7% yield and a price 20% below the analyst consensus target. If the company could improve its results it could provide the patient investor with a handsome reward. After the less-than-stellar appreciation of 27% over 12 months it is long overdue.

Don't look for short sellers, they are not there and this is not a stock to short. Even as the book value per share continues to improve, it is still 16% below the 2007 year end. Another poor performance could see added pressure on Tom Wilson. Allstate reports earnings on February 10.

Reported by Gavin Magor in Jupiter, Fla.
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Re: Allstate's Avariciousness Will Destroy Their Agents

Unread postby RatPak11 » Fri Feb 05, 2010 1:37 am

*HMMmm, Is this the same company whose slogan is "your in good hands with Allstate" but whose ethics and morals are, at the very least, questionable? The agents are absolutely right to question Allstate's agenda. Even the prior article states Allstate is cutting agencies.

*I Think We'll Call This One, "Allstate Lies Again"...
RatPak11

http://www.property-casualty.com/News/2 ... -3300.aspx

Allstate Denies Agents’ Group Claim It Plans To Cut 3,300

By MARK E. RUQUET
Published 2/4/2010

Allstate is denying a charge by an agent group that it has a goal of eliminating more than 3,000 agents in three-to-five years.

Jim Fish, executive director for the National Association of Professional Allstate Agents (NAPAA), said an internal company memo laying out the company’s strategy to grow its business in the future calls for the elimination of up to 3,300 agents whose business has not grown to between $3 million and $4 million or more in premium volume.

The reasoning behind having agencies of this size is to improve customer access to the agency by increasing service availability and hours, he said. To achieve this, agencies will have to expand their support staff, something a smaller agency cannot do, he explained.

In order to reach this target, the company will need to consolidate agencies to achieve the benefits of scale, said Mr. Fish.

Allstate agents are supposed to be independent contractors, he said. Yet, the company is trying to exert an increasing amount of micro-management over the agencies, down to service hours and office design, and a number of agents are getting “fed-up” with the carriers interference.

A company spokeswoman said Allstate has not set any target for agency number or size.

“Our goal is to provide a consistently superior customer experience,” the company said in a statement. “We intend to grow and succeed with Allstate agencies.”

Allstate said in the statement that growing agencies is good for customers, the agencies and Allstate.

“We’ve seen that agency locations in the range of $3 million to $4 million in premiums (between 3,000 and 4,000 policies in force) have the scale to support the staff and other resources needed to provide superior levels of customer service.”

The spokeswoman said the company is providing the tools to allow smaller agencies to grow to these levels the company believes will achieve this goal.

“Some agencies may choose not to take this journey with us, but for agency owners committed to providing consistently superior levels of service, the opportunities have never been better to grow their agencies,” Allstate said.

Mr. Fish said alarm bells went off for agents after the company’s chief executive gave a speech Dec.8.

In that talk at the Goldman Sachs Financial Services Conference, Tom Wilson, chairman, president and chief executive officer for the Northbrook, Ill.-based insurer, outlined the company’s objectives.

During the speech he emphasized that the company is seeking to expand business by emphasizing customer service and addressed its exclusive agent channel.

Among the points of the strategy he outlined, he said, “Our goal is to have fewer, larger agencies that provide a more consistent experience for our customers. This will strengthen our agency force and ensure they remain a significant part of how we serve customers.”

At one time Allstate exclusive agents were employees of the company, but that changed in 2000 when they were made independent contractors, losing pensions and benefits and creating a toxic atmosphere among some.

Agents sued the company, accusing it of age discrimination because many of the affected agents were 50 or older. Mr. Fish alluded to that practice, saying it seems like the company is trying to weed out older producers who have high retention rates and low loss ratios and are not selling a lot of new business.

Aiming to confront the possibility that the company will cut its number of agencies, NAPAA is planning to hold a job fair during its national conference in May in Washington, D.C., said Mr. Fish, “to get agents some solutions.”
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Re: Allstate's Avariciousness Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Feb 08, 2010 12:15 pm

http://industry.bnet.com/financial-serv ... fire-them/

Allstate Says Bigger Is Better; Agents Say It's Just Easier to Fire Them
By Ed Leefeldt | Feb 6, 2010

The nation’s largest publicly-held home insurance company, Allstate, has been battling with its own agents since 2000 when former CEO Ed Liddy kicked them out of the house and made them independent contractors - except for a few clauses that still tied them to the insurer.

Now Allstate has added a new wrinkle: agencies have to expand and earn between $3 million to $4 million in premium business each year. According to executive director Jim Fish, of the National Association of Professional Allstate Agents, the days of the small Norman Rockwell office with a single kindly old agent are doomed - as are about 3,300 agents.

According to the National Underwriter, an Allstate spokeswoman denies the part about axing the agents, but does admit that the insurer wants to enlarge the size of its agencies to make them more efficient. Allstate CEO Tom Wilson said this at a Goldman Sachs conference in December.

And Allstate isn’t alone. Troubled American car companies are also seeking economies of scale, shutting down small dealerships and focusing on keeping just one major dealer in each area; a practice followed successfully - at least until recently - by Japanese carmakers.

This would allow the property casualty insurer, which like its competitors is suffering from the recession and the decline in premium revenue, to keep offices open longer and, more importantly, get more mileage out of each customer by selling them more products when they walk through the door.

But NAPAA sees this as a way to ease out older agents who’ve already gotten a book of business, while retaining their clients. NAPAA’s website features a Job Fair for soon-to-be-forcibly-retired agents at NAPAA’s national conference in May.

“There are countless stories of … Allstate agents who made the transition to the real world where intimidation of workers is not the cornerstone of success,” says NAPAA’s 68-year-old President Bob Isacsen.
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Re: Allstate's Avariciousness Will Destroy Careers And Lives

Unread postby RatPak11 » Tue Feb 09, 2010 6:09 pm

http://www.insurancenetworking.com/news ... 173-1.html

Update: Allstate Denies Plans to Terminate 3,000+ Agents

*Or, Allstate Lies Again and Again...

Insurance Networking News, February 8, 2010
Pat Speer

Ahead of its earnings call scheduled for this Wednesday, Allstate denied growing reports in online blogs, trade journals and in the general press of its plans to reduce its distribution network by 3,000-plus independent agents.

Maryellen Thielen, senior manager of Financial Communications, Allstate Corporate Relations, told Insurance Networking News that Allstate has not set targets for agency numbers or size, but qualified its goal of seeking to work with agents who can provide “superior levels of customer service.”

“It’s clear that growing agencies is good for our customers, the agencies and Allstate,” she said. “We’ve seen that agency locations in the range of $3 million to $4 million in premiums (between 3,000 to 4,000 policies in force) have the scale to support the staff and other resources needed to provide superior levels of customer service.”

Without specifying the metrics that would be used to measure Allstate’s desired level of customer service, Thielen did say that Allstate will provide smaller agencies with the incentives and resources necessary to meet and exceed those customer expectations.

“Some agencies may choose not to take this journey with us, but for agency owners committed to providing consistently superior levels of service, the opportunities have never been better to grow their agencies,” she said.

Allstate offered the following as examples of specific resources being promoted to their agents “to help Allstate agencies enhance the customer experience—and their success:”

• Agency technology: An Allstate Web site offers a self-assessment tool and other aids to help Allstate agents find opportunities to improve service (e.g., location and staffing) and grow.
• 24/7 support from the Allstate call centers
• Education: Allstate is providing tools to help customers understand their insurance better—for example, through its new “Auto Insurance Made Simple” brochure
• Detailed customer research down to the agency level
• Added support for Allstate premier service agencies, the designation for its highest performing agencies (based on business results and customer experience)

Analysts, meanwhile, are hedging their bets on Allstate’s earnings call, stating that, on average, the company is expected to report earnings per share (EPS) of $1.01. Last quarter (sequential), Allstate reported EPS of $0.99, missing consensus estimates of $1.01. For the full year, the company is expected to post EPS of $3.39, predict analysts.
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Sat Feb 13, 2010 3:29 pm

http://www.tradingmarkets.com/news/stoc ... 75172.html

Allstate: Agent Loyalty Index Resulting in Better Performance
Posted on: Fri, 12 Feb 2010 16:33:46 EST

NORTHBROOK, Ill., Feb 12, 2010 (A. M. Best via COMTEX) --
There are fewer Allstate agencies in the United States than there were two years ago as some agencies have grown, while others have decided not to grow with the company, said Thomas J. Wilson, chairman, president and chief executive officer of Allstate Corp.

During a conference call with analysts to discuss the corporation's fourth-quarter earnings, Wilson was asked about Allstate's "agent rationalization plan." The chief executive said, "We don't have a rationalization plan, so to speak. What we have is a strategy of making sure we provide our customers with the best service possible and offer all of our products and services in the best way with the most experienced people we can."

All agencies "did a better job for their customers," as performance was improved in all regions, Wilson said. Allstate has "started putting standards in on performance as it relates to the 'agency loyalty index.'" On its Web site, the National Association of Professional Allstate Agents quotes from a form letter it says was sent to agents, which informs them about the agency loyalty index.

"In customer-facing areas of the company, we will be tracking results and managing employee performance down to the individual level," NAPAA quoted the letter. "Minimum acceptable agency standards will be set around your agency loyalty score."

Wilson said those that "did not make the transition are leaving the organization." In a statement Allstate said "some agencies may choose not to take this journey with us."

The NAPAA -- a group the association admits Allstate does not recognize -- recently said the insurer plans to let more than 3,000 agents go. NAPAA said Allstate has set agency marks for new business and premiums and if they are not met, they are being sent termination notices. Allstate said it has not set targets for agency numbers or size (BestWire, Feb. 1, 2010).

Wilson told analysts that as the business gets more competitive and complex, "agencies need to be larger so that they can have more experienced people in them." The number of agencies in the United States has gone down the past couple of years but the number of licensed sales professionals has gone up during the same time, he said.

In a statement, Allstate said agency growth is good for customers. "We've seen that agency locations in the range of $3 million to $4 million in premiums have the scale to support the staff and other resources needed to provide superior levels of customer service."

"To help smaller agencies get on track and grow over time, we are providing agencies with the incentives and resources necessary to meet and exceed customer expectations," Allstate said.

Asked if he thought Allstate would see agent-related lawsuits, Wilson said he did not see it as a risk. "I see it as a benefit to those agencies that are doing a great job for the customers," Wilson said. "This raises the overall bar and raises our position in the marketplace."

NAPAA has said agency owners may find it difficult to sell due to a lack of buyers. Wilson said Allstate would "provide for a transition" and help owners sell or, if there are no buyers, "we will buy it from them and then we have a variety of ways in which we take care of those customers."

Allstate Insurance Group currently has a Best's Financial Strength Rating of A+ (Superior).

In afternoon trading on Feb. 12 shares of Allstate Corp. (NYSE: ALL | Quote | Chart | News | PowerRating) stock were selling at $29.38, down 0.10% from the previous close.

(By Chad Hemenway, associate editor, BestWeek: Chad.Hemenway@ambest.com)
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Mar 21, 2011 11:37 am

http://www.timesreporter.com/opinion/le ... uel-prices

Reader's viewpoint - Real problems: CEOs with fat salaries, runaway fuel prices
Letter to the Editor
Posted Mar 18, 2011 @ 01:00 PM


It’s amusing to listen to Gov. John Kasich talk of breaking Ohio unions and creating jobs, while hiring a Californian to head the Ohio jobs program. (The last time I looked California was worse off than Ohio.)

Problems in this country and state are not caused by “greedy unions,” which have made their share of sacrifices.

Insurer Allstate Corp. gave its CEO a pay package of $8.6 million in 2010. The poor guy was forced to take an 8 percent cut from 2009.

Goodyear Tire chairman, president and chief executive officer received a 69 percent raise, $8.5 million in 2010. (With all these fancy titles he had to have a raise.) The Akron-based company reported a loss of $216 million or 89 cents per share in 2010. How do they justify this?

Then there is the CEO trick of taking $1 for salary: CitiCorp chief Vikram Pandit agreed to $1 a year, but after a U.S. government bailout Pandit’s salary increased to $1.75 million.

Rick Wagoner, CEO of General Motors from 2005 to 2009, accumulated $80 billion in losses for GM. He took $1 a year salary. Forced out, he was given a retirement package of $10 million, including $1.6 million in annual benefits for five years and $74,030 annually the rest of his life.

Runaway fuel prices are being blamed on problems in Libya, which provides only 2 percent of the U.S. oil supply. I’m sure when big oils quarterly reports are issued, profits will again be in the billions at our expense.

James L. Crowell, Dover
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Jun 13, 2011 2:02 pm

http://www.propertycasualty360.com/2011 ... technology

Allstate Agents Not Applauding Insurer’s Plans
June 8, 2011
By Mark E. Ruquet, PropertyCasualty360.com

NU Online News Service, June 8, 3:03 p.m. EDT

Allstate’s plans to consolidate its direct-writer agencies and alter commissions is receiving a lot of negative feedback, including criticism from the executive director of the agent’s association.

Jim Fish, executive director of the National Association of Professional Allstate Agents (NAPAA), says that a lot of Allstate agents “are not happy at all” with the way the company is being run.

“No one at the top of the company understands what it is like to be an agent,” says Fish. “It is sad because agents have tried to tell them what is not working, but they are not listening.”

Fish was referring to comments made by Allstate executives recently that the company plans to concentrate on forming larger direct-writer agencies at the expense of lesser performing agencies and to cut upfront commissions on new and renewal business while increasing variable compensation to reward for reaching certain business goals.

Fish says he disagrees with the philosophy that larger is better because it impersonalizes the agent-client relationship.

“It is fine to do, but you lose some of the home-spun advantage” that the small, local agency has developed with its customers, Fish suggests. It will also mean less agency locations for customers to choose from.

Fish suggests that the plan is part of a move NAPAA criticized last year where it says an internal memo revealed the company planned to eliminate 3,000 or more agents from its books. He says the current call to consolidate agencies is an acceleration of that process.

While executives said the move would result in some disruption, Fish says it is only producing fear in the ranks of the agents who are afraid they will lose their jobs because they are not in markets where they can reach production goals of $3-$4 million in revenue.

“The smaller agencies are feeling a lot of pressure to get to [the revenues] that [Allstate] wants,” says Fish, but the result is that experienced agents are either being terminated because they can’t reach the sales goals or give up and sell their business.

Fish’s comments echo statements posted by readers of the June 3 article who say they are not supportive of the company’s plans.

“The strategy will cause much more than ‘some disruption,’” says a reader with the username "22 year Allstate Agent.” “As agents leave, clients will follow. Large agencies cannot deliver better service than many smaller agencies.”

“This is proof positive that company management doesn’t know what it is doing,” says reader “Agentgurus.” “No agency, no matter the size, can provide good customer service when it is paid 8 percent renewal commissions; it can’t be done.”

“What Allstate’s strategy clearly does is force out competent, experienced agents who have a following and obviously successful agencies, and pay them 8 percent for having a mature, seasoned book,” says reader “Been Here Too Long.”

Fish, who notes that his association represents about 12 percent of the company’s workforce, says that based on anecdotal evidence, “a lot of agents are not happy at all” with Allstate, adding that they “are demoralized like you wouldn’t believe.”

"Allstate is reviewing all components of agency owner compensation to create a model that better rewards higher performing agencies and aligns more closely with competitive industry practices," the company says in an emailed statement. "We are committed to our agencies and to helping them enhance the customer experience, and we will continue to provide them with the support they need to grow and succeed."

Comments

JohnS 4 days ago

You would think Allstate agents were used to being mistreated by their company by now. It has been a constant issue for more than 20 years. It just shows the corporate lack of commitment and understanding of the value good agents provide consumers. The purchase of Esurance tells you where they are really going.
Flag 7 people liked this. Like ReplyReply

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One 4 days ago

Wake up guys they cut the serve vendoors years ago they are just starting on you now
Flag 1 person liked this. Like ReplyReply

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Joseph Bishop 4 days ago

Should anyone in Connecticut effected by the above be interested:

Please contact:

Joseph A Bishop
Associated Insurance Agencies Inc.
280 State Street
North Haven, CT 06473

203-288-3401
Cell 203-915-9170

We have experience in providing strong local support for producers. We will be happy to provide an opportunity to grow a book of business with top independent agent companies.
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Dennishenderson 4 days ago

ANY HOUSTON AREA AGENT OR TEXAS NEED A LUCRATIVE EASY TO UNDERSTAND AGENCY AGREEMENT NOW IS THE TIME. http://www.gandhfinancial.com
Flag 1 person liked this. Like ReplyReply Sam78 4 days ago

This is what you get from a company run by former Sears Executives... they ran that business into the ground now they're doing the same to Allstate. It has never been easy working for Allstate but this latest round is really killing the company.
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Craig Jaffe 4 days ago

And, any California producers interested in moving to the independent agency channel, please contact me...We have excellent markets and opportunities to grow your book of business:

Craig Jaffe
Jaffe Insurance Agency
13160 Mindanao Way #204
Marina del Rey, CA 90292

(310) 827-5050 x107
Craig@JaffeInsurance.com
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Other Options 4 days ago

ALLSTATE like all other insurance companies have the right to have other distribution channels after all independent agency are 15% more profitable then direct writers as they have the ability to give Allstate what they want NOT what is forced there way!
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DAVID BERRY 4 days ago

This should come as no surprise. Does anyone remember when Allstate tried the direct response approach in the late 90s? If you're interested in becoming an independent agent in Texas, contact me.

David Berry HTTP://WWW.TXINSURANCEPRO.COMGant Insurance Agency Inc
2695 Villa Creek Drive #175
Dallas, TX 75234
(214)717-4326 x 101

info@txinsurancepro.com
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Jackson2009-poor 4 days ago

Allstate is following a trend the industy expresses as 24/7 service. Without the agency force supported, customers will continue to see a decline in service and support. Nationwide is following the same mantra claiming they are reaching people when THEY want to be reached. It is a back door way to sell direct and violate the agency channel.
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Ed 4 days ago

Well I also seen the writing on the wall as I left Farmers Ins because they bought Century 21 two yrs ago and they did a lot of changing and focus on beliving they could write direct better than having agents in the field! They change alot of things around! I went independent so far been great! You know all we have to do is put together our own company and we could be a very big player in a couple of years! An agent-backed insurance company Wow what a power we could be!

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CFrank 4 days ago

This is not new behavior by Allstate management. In the 80's they made an attempt to cancel and rewrite the agency agreements of all their producers (Farmers made the same move in the 90's). In both cases, management realized the promise made to new producers that they can "build their agency and then back off as they approach retirement and live on the renewals" is not a good plan for a carrier's continued growth. It is no surprise that this is coming up again 25 or so years later as the new agents that signed on 25 years ago and starting to back off the production treadmill.
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LLiquori 4 days ago

This just reinforces my belief that ALL insurance companies don't care for anyone but big shareholders and top executives. They don't give a damn about agents, low level employees, or customers. This has been shown time and again in almost all insurance companies, and the bigger they are, the more prevalent this is.

Show me an insurance company where top management came up through the ranks of underwriting or claims (not MBAs, CPAs, or lawyers) and the chairman of the board is not the president, and I'll show you a company that at least has a chance of showing care for insureds, agents and employees.
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Set Up For Failure 4 days ago

It's sad when a company gets to slashing, the carnage that follows is wide spread. Not only are agents railroaded, but good, loyal, tenured customers are being shed with the tightening of guidelines, the mature book of business is being assaulted with multiple double digit rate increases, re-instatement guidelines are tightening up as well, customers are being "interogated and investigated" for usage, operators, discounts, location, oh, and our commission is dropping. Doing the math on a 1m agency, to make up the $20,000 hit in revenue, an agent would need to write $250,000 in new premium in excess of its existing production. If you used $370 for avg. "item" premium, that would mean 675 additional new items would need to be written. Try that when your rate is so poor that closing rates have dropped from 50% to 8% in the last 12 months in some territories. Add to all this, the toll this takes on retention and watch the revenue drop more...a $1m agency can't survive in this climate, and the market isn't there for an agent to sell, so the termination payment is the only option in too many cases. Either the market will be flooded or there will be very few eligible buyers...either way, it looks like the housing bubble all over again. How can it be legal for a company to dictate WHO you can sell your book to??? Not allowing outside sales seems like an unfair business practice.
Depressed Agent.
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Paulb 4 days ago

There is a shock a company putting profit into their plans. Move the money to the top. Wonder if that means an increase in dividends to share holders?

Probably not!

More money to less people makes a lot of economic sense as long as you are on the receiving end. Those promises of the past to those who believed in the company really are worth posting on the wall. Can you imagine employees don't trust employers? I wonder why?
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An Angry Wife! 4 days ago

It is so disheartening to see all these agents who have given so much of themselves to make their business successful! The time they lost with family, because of the hours they had to put in. Time you can never get back, especially if you have small children, it hurts even more. But I guess the biggest part of this is that they are lead to believe they are owning their own business, which they are not in any way, shape or form. They basicly front the money for Allstate to open another location, and get emotionally and mentally beat up, and then told thanks but it's time for you to go. Allstate will be very sorry down the road, because as the agents leave so will the customers who have stayed with this overpriced, overbaring company because of the relationship with their agent. Some will leave just because they feel what Allstate is doing in wrong and unethical. The older generations that cared about loyalty are quickly shrinking, and the younger generations don't care who's name is on their insurance card, just that they have coverage for the lowest possible price. Have fun Allstate, you will quickly feel the pain of your bad decisions.
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JHNJR 3 days ago in reply to An Angry Wife!

Don't be too disheartened. My father was a 30 year plus agent with All. He had a $4 mil book very strong retention low loss ratio. He made the company tons of money. He was one of the first agents in our state to take the so called non employee contracts years ago so he could keep what he built in the family. Seven years ago the company finaly ran him off with threats if he didn't sell they would terminate him do to not meeting financial service sales goals. It was a very sad day for our family and especially for me. I had left a great and promising career to come to work in the family business with the hopes of one day taking over and now in my mid thirties was un-employed with a wife and child .

With the help of my father and my wife we bought our first independent agency 5 years ago. I just closed on my second agency last year. Our book of business now is almost 50% larger than my fathers All book when he sold it. No one tells me how to run my business or forces me to sell financial service products. My carriers reward me for my excellent loss ratio and work with me not against me. There are no more threats. Current All agents need to take their time and talents and go independent. I wish the company would have run my father out 20 years ago. If they had we would probably have 4 or 5 agencies by now. There is a much better life out there don't stay disheartened
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Buck 4 days ago

I think with the way technology is nowadays people are going more direct and buying insurance online versus the old style of driving in or calling an agent and having her/him quote their insurance. Sad to say but true, people really are purchasing more directly online now more than ever compared to how they use to. Just hope this doesn't completely do away with the mom and pop small agencies as I do think they are still in demand, especially in smaller towns, guess time will tell.
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Greg 3 days ago

As an independent agency owner in Florida who recently merged with a former Allstate agency owner I understand the pressures and caveats that Allstate impresses to their agents. If you want a fair shake and to start WINNING your customers then email me and we can align you with solid carriers and winning solution for Florida. greg@express-insurance.net
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independent_agent 3 days ago

Hear what former captive agencies are doing in the independent agency channel at http://www.agencyalliance.net/...
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Jun 27, 2011 5:00 pm

http://www.chicagobusiness.com/article/ ... -insurance

Shareholders make their displeasure with leadership known: 'no' votes
Shareholders are turning up the heat on Allstate Corp. directors.


At last month's annual meeting, directors Joshua Smith and H. John Riley Jr. barely cracked the 50% vote mark needed for re-election to the board. Chairman and CEO Thomas Wilson saw a 31% vote against him — the highest percentage of "no" votes for any CEO of a company in the Standard & Poor's 500.

Three familiar local names — former Illinois Tool Works Inc. CEO W. James Farrell, former Transora Inc. CEO Judith Sprieser and former Russell Reynolds Associates Inc. executive Andrea Redmond — attracted the opposition of about 40%. A fourth, former McDonald's Corp. CEO Jack Greenberg, got a thumbs-down from 31.7%.

The votes bode poorly for Mr. Wilson's future and put intense pressure on the board to act if results don't improve soon, says Charles Elson, chairman of the John L. Weinberg Center for Corporate Governance at the University of Delaware.

"You can't ignore it," Mr. Elson says. "You have to make some significant changes."

Proxy adviser Institutional Shareholder Services chided the board for approving $9.3 million in pay for Mr. Wilson last year, despite shareholder returns that lagged an index of comparable companies.

ISS also took issue with the board's response to a shareholder vote calling for Allstate to allow the owners of at least 10% of its stock to call a special meeting of shareholders. Instead, Allstate set the threshold at 20%.

In an emailed statement, Allstate said, "The stockholder support for our board was down this year because our board acted to implement the right for stockholders to call special meetings at a different threshold (20% vs. 10%) than had been part of a stockholder proposal which received majority support in 2009 and 2010."

As for Mr. Wilson, "Ultimately, it's pretty hard for (management) to last with that kind of opposition," Mr. Elson says. "Unless you tell a pretty convincing story next year, it's going to be pretty hard."

Steve Daniels


Unhappy Allstate agents hang up their own shingles, taking customers with them

Allstate Corp. put food on the table for Greg Haynes and his family for five decades before he decided he'd had enough. Like his father, who started as an Allstate agent in Victoria, Texas, in 1954, Mr. Haynes sold insurance for Allstate, too, from 1990 to 2009. For the first half of that period, he did well, doubling his father's book of business to $5 million.

Then, in 2005, Hurricane Katrina hit, slamming Allstate with $3.7 billion in losses. The insurer responded by pulling back from areas prone to hurricane damage, and half of Mr. Haynes' customers were no longer able to get homeowners insurance from him. They left in droves, and his $5-million book withered to about $2.5 million. "Those customers would say, 'If you don't want my home, you don't want my auto either,' " he says.

Then the recession hit, and he says Allstate's prices weren't competitive. "They'd say, 'I love you, Greg, but I'm looking for ways to save money,' " he says.
In late 2009, Mr. Haynes, 51, took a $300,000 company buyout and hung up his shingle as an independent agent, joining with another fed-up Allstate veteran, John Burgman, 54. Their firm, Victoria Insurance Group LLC, has $2.5 million in premiums, and Mr. Haynes estimates about 20% of his old Allstate customers are with him.

Mr. Burgman says he and Mr. Haynes haven't had to do much soliciting in their town of 60,000, home to petrochemical plants and a soon-to-be Caterpillar Inc. factory. "You see people at the grocery store," he says. "You cross paths."

Mr. Haynes says he gets a couple calls a month from unhappy Allstate agents picking his brain on "going independent."
"I tell them, 'No. 1, they better start saving their money,' " he says. Then, he says, "My advice: Get out of Dodge."

Steve Daniels
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Tue Oct 18, 2011 7:03 pm

*Widow claims her husband's bosses at Allstate harassed him so badly he committed suicide

When one sues, they do not always get the justice they want or deserve.
Allstate's corporate slave driving, micro management style has driven a number of their employees to actually commit suicide.
My heart goes out to Mrs. Wilcox and her family.




http://www.courthousenews.com/2011/02/08/33981.htm

Courthouse News Service
Tuesday, February 08, 2011

Employer of the Week - Not
By BRIDGET FREELAND

CHICAGO (CN) - A widow claims her husband's bosses at Allstate harassed him so badly he committed suicide, and that an Allstate employee entered his room "while he was still hanging, and confiscated the company-issued laptop computer," before she even arrived.

Rita Wilcox, the widow, says her husband Robert had worked for Allstate for 36 years. She too worked for Allstate, she says, through "a company referred to as Pilot, but worked at the direction and control of defendant Allstate Insurance Company as a contract employee."

She claims Allstate demoted her husband in 2004, "for no performance based reason and after over thirty years of faithful employment to Allstate." Robert attributed his demotion to age discrimination. He also complained to his bosses of harassment - that Allstate was trying to force him into retirement - his widow says in her federal complaint.

In 2009, she says, she and her husband were transferred to Chicago, and her husband was placed "under the supervision of two substantially younger females who had less than half his experience from his 36 years with Allstate."

Robert complained again that it was age discrimination, and Pilot then fired her and she moved back to Houston, while Robert stayed in Chicago she says.
Then, according to the complaint: "Soon after Rita Wilcox was terminated as a contract employee for Allstate and moved from Chicago, Robert Wilcox committed suicide from the mistreatment he suffered from Allstate. When plaintiff was notified of this by police, she left Texas and upon arriving at the corporate apartment provided for Robert, was advised that someone from Allstate had already entered Robert Wilcox's room, while still he was still hanging, and confiscated the company-issued laptop computer before even his remaining family, including plaintiff, could arrive and go through his person[al] affects."

She seeks damages for civil rights violations, retaliation and emotional distress.

She is represented by Robert Fogel.
__________________________________________________________________________________

*Wilcox v. Allstate Insurance Co., Case No. 1:11-cv-00814 (N.D. Ill.)

Case Number:
1:11-cv-00814

Court:
Illinois Northern

Nature of Suit:
442(Civil Rights: Jobs)

Cause
42:2000e Job Discrimination (Employment)

Judge:
Honorable Virginia M. Kendall


__________________________________________________________________________________


http://www.legacy.com/obituaries/housto ... &fhid=2698

Obituary

ROBERT PAUL WILCOX Jr.

On September 24, 2009 at 62 years of age ROBERT PAUL WILCOX JR. went to be with his Lord. He is survived by his devoted wife of 40 years Rita Polk Wilcox and beloved sons Robert Paul Wilcox III "Tres" and Matthew Thomas Wilcox, and brother Billy Wilcox. He was preceded in death by his parents R P Wilcox Sr. and Gladys Bernard Wilcox and his sister Gloria Wilcox. His family was his greatest treasure followed closely by his appreciation for the wonders of nature. He was an avid outdoorsman passing his skills of hunting, fishing, snow skiing, and water sports on to his boys. Sharing these moments with his family was his greatest joy. Robert had a generous soul willing to help anyone in need be it stranger or friend. He will be sorely missed by family, friends and co-workers. He proudly served our country in the US Army. Robert worked for Allstate Insurance for the past 36 years.The family will be receiving friends from 6-9 PM with a rosary to be recited at 7 PM, Tuesday, Sept. 29th at Crowder Funeral Home, 111 E. Medical Center Blvd., Webster, TX. A Mass of Christian Burial will be celebrated at 1:30 pm, Wednesday, Sept. 30th at St. Bernadette Catholic Church, 15500 El Camino Real, Houston, TX 77062 and rite of committal following at Forest Lawn Memorial Park, Beaumont, TX.

Guest Book
October 06, 2009
Mr. Wilcox gave me the opportunity to work for Allstate back at the Space Center MCO. He offered me a lot advice and encouragement while I was there. I am very thankful to have known him. Rita and Family please accept my deepest condolences.
~ Franklin Walker, Indianapolis, Indiana October 03, 2009

Rita-I am so very sorry about Bob. I had the priviledge to know you both for a short while. Bob left a very deep impression with his love of life and family. Conor talks about Bob and you fondly and often. My prayers and thought are with you.
Vivian Todd
~ Vivian Todd, Waterford, Mississippi October 02, 2009

Rita,
Please accept my sympathies on your loss.
~ Burt Musulin, Lexington, Kentucky October 02, 2009

Rita, Our thoughts and prayers are with you and the boys. May God give you peace and happy memories in the days ahead. Sally & Vic Horn
~ Vic & Sally Horn, Mt Pleasant, Texas September 30, 2009

Dear Rita and boys, I am thinking of you all at this sad time. Our boys were in scouts together (Patrick and Matthew) and shared good times in Houston and at La Belle with you and your family.

Please know that you are all in our thoughts and prayers.
Suzie Van Horn
~ Suzie Van Horn, Houston, Texas

September 29, 2009
Rita, Keith and I have so many memories of Robert and you. We had some fun times together. We want you to know that our thoughts and love are with you now.
~ Keith and Jan Blackwood, Beaumont, Texas September 29, 2009

To the Wilcox Family
So sorry to hear about your loss. We worked for and with Bob for many years at Allstate. He was a consumate professional and role model for both of us. His sense of humor, postive attitude, and devotion to his family were truly remarkable.
~ Allen & Brenda Hart, The Woodlands, Texas |Contact Me September 29, 2009

Rita, We are all grieving with you now. I am so sorry to hear about Robert. Whenever I've thought about you throughout the years, I always remember how madly in love you were with your soulmate Robert. A double date with you and Robert was like a single date with Gerald. You guys couldn't get enough of each other. I always marveled at what kept you two so madly in love.
~ June Fertitta Mittelstaedt, Conroe, Texas |Contact Me September 29, 2009

Rita, you and I went to school together many years ago. I am so very sorry for your loss. I pray the Lord will bring you comfort and peace during this time.
Linda Bramer Myers September 28, 2009
I had the privilege and honor of working with Bob and Rita. He was a kind and gentle man. He cared about his work and always did his best to protect the Company and its customers. I never met his sons, but felt as if I knew them by the way he spoke of their accomplishments and he always spoke of them with pride in his heart. My deepest sympathy to Rita and the family.
~ Robert Soifer, Orlando, Florida

September 28, 2009
Rita,
My prayers are with you and your family. I did not have the opportunity of working with you or Bob but heard many great things about the both of you. Sometimes things happen that we question why. But these are the times that we must trust and lean on family and friends to help us through.
Take care and remember where your strength comes from.
~ Melissa Conyears, Illinois September 28, 2009
To my dearest family, some things I'd like to say...
but first of all, to let you know, that I arrived okay.
I'm writing this from heaven. Here I dwell with God above.
Here, there's no more tears of sadness; here is just eternal love.

Please do not be unhappy just because I'm out of sight.
Remember that I'm with you every morning, noon and night.
That day I had to leave you when my life on earth was through,
God picked me up and hugged me and He said, "I welcome you."

It's good to have you back again; you were missed while you were gone.
As for your dearest family, they'll be here later on.
I need you here badly; you're part of my plan.
There's so much that we have to do, to help our mortal man.

God gave me a list of things, that he wished for me to do.
And foremost on the list, was to watch and care for you.
And when you lie in bed at night, the day's chores put to flight.
God and I are closest to you....in the middle of the night.

When you think of my life on earth, and all those loving years
because you are only human, they are bound to bring you tears.
But do not be afraid to cry; it does relieve the pain.
Remember there would be no flowers, unless there was some rain.

I wish that I could tell you all that God has planned.
But if I were to tell you, you wouldn't understand.
But one thing is for certain, though my life on earth is o'er.
I'm closer to you now, than I ever was before.

There are many rocky roads ahead of you and many hills to climb;
but together we can do it by taking one day at a time.
It was always my philosophy and I'd like it for you too...
that as you give unto the world, the world will give to you.

If you can help somebody who's in sorrow and pain,
then you can say to God at night......"My day was not in vain."
And now I am contented....that my life has been worthwhile,
knowing as I passed along the way, I made somebody smile.

So if you meet somebody who is sad and feeling low,
just lend a hand to pick him up, as on your way you go.
When you're walking down the street, and you've got me on your mind;
I'm walking in your footsteps only half a step behind.

And when it's time for you to go.... from that body to be free,
remember you're not going.....you're coming here to me.

Ruth Ann Mahaffey (author)
©Copyright 1998-2009
http://www.ruthann1.com
~ Angie Lopez, Houston, Texas |Contact Me September 28, 2009

To Cousin Bobby's Family, I am very sorry for your loss. I hadn't seen Bobby in many, many years but I remember him as very kind and thoughful and a lot of fun to be around as we were growing up in the East Texas area.
~ Catherine Bernard Inks, Louisiana September 28, 2009

To the Wilcox Family,

May the love of friends and family carry you through your grief. May Bob's soul and all the souls of the faithful departed rest in peace.
~ Janice Taylor, Houston, Texas September 27, 2009

Dear Rita and Matt,
I didn't have the pleasure of knowing Robert that well, but I know he had to of been a wonderful man to have married a beautiful woman and to have raised two fine sons. My thoughts and prayers are with you all.
Terri Luker Brown

September 27, 2009
Bob, you will be missed. It was a great honor to have worked with you and to have you as a friend. I learned so much from you. Thanks for all you did for me and my co-workers. May God Bless you always. God Bless your family.
AOYP
Sue Hayes
~ Sue Hayes, Pearland, Texas
Attachments
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Wed Jan 25, 2012 3:52 am

Boycott Allstate

check out this URL address:

http://ihateallstate.wordpress.com/
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Apr 29, 2013 5:44 pm

http://www.lexology.com/library/detail. ... 28c2ee193b

“Associational retaliation” actionable, but claim still booted
Proskauer Rose LLP Amanda C Wiley and Steven J Pearlman USA
December 28 2012

The U.S. District Court for the Northern District of Illinois granted a company summary judgment on an “associational retaliation” claim brought under Title VII by a temporary worker claiming the company ended her assignments because her (late) husband, who was an employee of the company, complained of discrimination. Wilcox v. The Allstate Corp., No. 11-cv-814 (N.D. Ill. Dec. 17, 2012). This case shows that associational discrimination claims are continuing to be pursued following U.S. Supreme Court’s decision in Thompson v. North American Stainless, No. 09-cv-291 (Jan. 24, 2011), but are susceptible to dismissal where: (i) the plaintiff is not an employee of the defendant company and the defendant did not have a hand in the challenged adverse action; (ii) there is doubt as to whether the person with whom the plaintiff was affiliated actually engaged in protected activity; and (iii) the causal nexus between the affiliate’s protected activity and plaintiff’s adverse action is tenuous. Proskauer’s Steven J. Pearlman served as lead counsel for the defense.

Background

Plaintiff Rita Wilcox was employed by The Allstate Corporation (the Company) from 1998 to 2003, and then was employed by Pilot Catastrophe Services (Pilot), a third-party contractor that provided temporary staff to assist in the Company’s response to catastrophic events (among other things), from approximately 2006 to 2009. Plaintiff’s late husband, Robert Wilcox, was employed by the Company from approximately 1973 until his death in 2009. In 2004, Mr. Wilcox complained to his then-supervisor that another employee was selected for a promotion to a bonus-eligible position, while Mr. Wilcox’s job title had been changed to a non-bonus-eligible position. Mr. Wilcox requested “equal treatment” and a restoration of his bonus eligibility. But he did not expressly mention discrimination based on any protected characteristic. In 2008, Mr. Wilcox complained to his then-supervisor that he perceived certain queries related to scheduling, timekeeping, and expense accounts as “questioning [his] integrity” and creating “a hostile and unacceptable work environment.” Again, Mr. Wilcox’s complaint did not expressly reference protected characteristics.

Pilot hired Plaintiff in 2006 (three years after her employment with the Company ended) and assigned her to provide services for a division of the Company. She was supervised by Pilot managers, her requests for time-off were directed to Pilot, and Pilot provided her both her daily pay and a per diem payout. In May 2009, the Company closed the office at which both Mr. Wilcox and Plaintiff worked. It reduced the total number of Pilot employees handling its business and transferred their duties to permanent Company employees. Pilot decided to release Plaintiff from her assignment at the Company on July 15, 2009. Plaintiff could not establish that any Company employee had a hand in the decision to terminate her assignment.

The Court’s Ruling

Plaintiff alleged that the Company terminated her assignment through Pilot in retaliation for her (late) husband’s complaints of discrimination. Although the court found that a claim of associational retaliation was actionable based on the U.S. Supreme Court’s decision in Thompson (above), it granted the Company summary judgment for the following reasons.

First, the court recognized that third-parties (the Company, in this instance) may be liable for retaliation in certain circumstances (e.g., if the third-party recommend that the plaintiff’s employer terminate her employment), but that liability against the Company was not warranted under the facts of this case. Plaintiff’s claim failed because she could not establish that the Company was her employer or had a joint employer relationship with Pilot. Indeed, Plaintiff could not establish that the Company directed or controlled her assignment, and the evidentiary record showed that Pilot did so unilaterally.

Second, Plaintiff could not establish a prima facie case of retaliation under the direct or indirect methods of proof because: (i) her late husband’s complaints were not legally protected activities; and (ii) there was no causal connection between the complaints and her termination. Most fundamentally, protected activity must have the effect of putting the employer “on notice” of potentially biased treatment prohibited by law. Mr. Wilcox’s vague complaints, however, did not meet this requirement, as he did not make the Company aware that his age “was an issue” with respect to his treatment. A vague complaint that someone outside of his protected class was treated better than the complaining party, without linking such treatment to membership in the protected class, is insufficient to place the employer “on notice” and establish protected activity.

Further, Plaintiff could not establish a causal connection between Mr. Wilcox’s allegedly protected activity and the termination of her assignment to the Company because she presented no evidence: (i) that the Company made or influenced the decision to terminate her employment; (ii) linking Mr. Wilcox’s 2004 complaint to the termination of her assignment five years later, as a temporal connection was lacking and no one aware of Mr. Wilcox’ complaint influenced the termination decision; or (iii) linking Mr. Wilcox’s 2008 complaint to the termination nearly a year later, as the temporal connection alone was insufficient to show causation and, again, none of the decision-makers related to the termination were aware of the complaint.

Implications

Although this decision is a win for employers in that the Company was not found liable for alleged retaliation against a non-employee based on her association with an employee who allegedly engaged in protected activity, it is important to remember that a company may be liable for retaliation under Title VII if it creates a joint employer relationship with a contractor and may be subject to risks where it significantly influences or interferes with the contractor’s employment decisions. Employers thus would be well served by respecting the formality of the contractor relationship, which means leaving employment decisions vis-à-vis the assigned workers to the contracting company and formalizing the relationship through a written agreement. Where practicable, there also is a benefit to having a supervisor from the contractor on the premises to which the temporary worker is assigned. This decision also serves as a reminder that associational retaliation claims are actionable in some circumstances and companies should keep this in mind when implementing training and crafting anti-retaliation policies.
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Fri Oct 04, 2013 3:13 am

IN THE UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF ILLINOIS
EASTERN DIVISION
RITA L. WILCOX,
Plaintiff,

v.
THE ALLSTATE CORPORATION, A/K/A
ALLSTATE INSURANCE COMPANY,
Defendant.

))))))))))
No. 11 C 814
Judge Virginia M. Kendall
MEMORANDUM OPINION AND ORDER


Click onto the URL address below for court's judgement:

http://www.whistleblower-defense.com/fi ... Wilcox.pdf
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Oct 07, 2013 2:08 pm

http://www.napaausa.org/Upload/091511%2 ... former.pdf

Submitted by a former Allstate agent:
A Few Good Men
by Dave Thorpe

There’s a lot of conversation about Mike Raimo’s suicide. Armchair shrinks have decided he killed himself
over a termination letter or at the least, the threat of one. But people that contemplate suicide usually have
underlying issues. When we see they’re suffering, as colleagues and family members, we need to soften their
landings and not add to their turmoil and confusion.

To change the rules and label a 25 year high-performing agent as persona non grata after holding him in
high esteem year after year, invites tragedy. It happened to me after 35 years as a Chartered Member of the
Allstate Hall of Fame. The issue of lost income to us old-timers really isn’t the big thing. If you’ve netted over
$200,000 a year for a decade or so and have other talents, you can move on or retire. Maybe buy a
McDonald’s franchise or something. The real issue for me was being outcast for the exact same behavior that
had been fully acceptable, if not lauded, for 35 years. Then the company does an about-face and I suddenly
find myself about to go from an elite affiliation to the dregs of our business society. This is very hard on the
psyche. Guess what? It wasn’t the first time it had happened in my life. I had been an elite Marine. They tried
to boot me for following orders. I thought a dishonorable discharge would have been the final disgrace. I was
wrong about being disgraced, although I did save myself at that time, just as I avoided the forced termination
nearly half a century later from Allstate. Whether it’s as an elite Marine or an Allstate agent, leaving humiliated
and disgraced when you’ve done little or nothing to deserve it, is plain wrong.

In A Few Good Men, two Marines were ordered to give a Code Red to a fellow Marine who needed an
‘attitudinal adjustment’. In other words, they beat the hell out of him and then he died because of the beating
and, perhaps, also because he had an underlying disorder. Who knows? I won’t repeat the plot except to say
the commanding officer was relieved of his command and the offending Marines, who had followed orders, did
no brig time, but were inconsolable upon learning they were to be dishonorably discharged. Tom Cruise who
played the part of the defending lawyer said something like, “Look, you were following orders and the guy
unfortunately died. Go forth into civilian life with pride. You don’t need the Marines to tell you you’re honorable
men.” Similarly when esteemed agents have been praised by the likes of Jerry Choate, Ray Keifer and Ed
Dixon for thirty-five years and then threatened, harangued and ultimately unceremoniously thrown out of the
company embrace because of an ALI score, we need to consider the source.

I personally spent upwards of $35,000.00 in movie theatre rentals, gifts and lost income from sales as I tried
to raise my ALI score. I should have stopped in my tracks and sold after the first threat. I had a buyer lined up.
But I played the game so I could shed the inherent sense of dishonor that comes with being forcibly terminated
by some insignificant pipsqueak pencil pusher who demands conformation to nonsensical loyalty indices as he
rejects all sense of humanity. But what about the younger agents that need a job to subsist? Let’s talk about
that.

Many young agents didn’t bother checking with existing agents to get the true scoop before they signed on.
They trusted and bought into the sales pitches of Field Sales Leaders or were lured in by disreputable agents
who were paid handsome referral fees. If you’re one of these and are now getting a termination notice, here’s
some advice: If you like insurance sales; do your homework and find a better company to work for. But don’t
allow yourself to be sucked in by hype and false promises. A few of you might even qualify for State Farm, but
be aware their requirements are very high. You’ll need to show one hell of a financial statement and be
professionally presentable. The one thing you must avoid at all costs is a publically traded company like
Allstate. Allstate’s first allegiance is to the stockholders while a mutual company’s first allegiance is to the
policyholders.

Geico is a great company. They’re looking to expand their agency force. They’re wholly-owned by Berkshire
Hathaway and from all indications they’re a great company to affiliate with.

If I was a young man and knew what I know now, I’d Google J.D. Powers insurance rankings and look for
top performing companies with high customer satisfaction ratings. I’d stay away from companies in decline and
I’d especially ignore publically traded companies. I like mutual companies a lot better.

If I wanted to remain with Allstate, I’d join NAPAA. The agency force will decline as clients flee to State
Farm, Geico, Liberty Mutual and the like. This may take pressure off remaining agents. As Allstate continues
its decline, there remains the possibility a merger or new top management.

Through NAPAA, we can keep apprised by its truthful analyses of conditions. Of course, Tom Wilson’s
argument is that since NAPAA only represents 10% of the agency force, the other 90% of the agents are totally
happy. Really,Tom? How dumb do you think we are? If you’re not a NAPAA member, can you honestly say
you’re happy with overbearing FSLs, threats and termination letters?

Anyway, join up. There’s strength in numbers.

------------------------------------------------------------------------------------------------------------------------------
http://www.legacy.com/obituaries/delcot ... bLoggedOut

Michael P. Raimo (1960-2011)
Obituary


Michael P. Raimo, of Wallingford, was suddenly called home to Heaven to join his beloved father, Arthur F. Raimo, and dear sister, Jacqueline A. Illich, on Thursday, August 18, 2011.
Born October 12, 1960 to Arthur and Ann Raimo of Woodlyn, Michael was the youngest of seven children. On November 13, 1987, he married his childhood sweetheart and soulmate, Michele Gantz.
They went on to build their life and home together having four beautiful children along the way.
In 1978, Michael graduated from Ridley High School, and went on to receive his B.S. from Widener University. Shortly thereafter, he pursued the field of sales, achieving much success as an agent for Allstate Insurance in Concordville.

An accomplished student and athlete, Michael was recognized in the 1984 edition of "Who's Who in American Universities." He played baseball at Widener University and continued his successful career with Tinicum A.C. in the Delco League. He also received great pleasure in participating in his children's sporting events, as well as cheering for his favorite Philadelphia teams.

Michael will always be remembered for his devotion to his family, his lively spirit, endless generosity, and his mighty heart.
Survivors: Wife, Michele Gantz Raimo; sons, Michael Jr. and Matthew Raimo; daughters, Kerri Ann and Nicole Raimo; mother, Ann Raimo; sisters, Betty Ann Martiello (the late John), Pat Bliss (Weldon), Diane Plank and Debbie Greto (Bruce Pysher); brother, Arthur Raimo Jr.; mother-in-law and father-in-law, Mary and Ronald Gantz; brothers-in-law and sisters-in-law: Linda Sofia (Paul), Ron Gantz, Christopher Gantz (Dore`); many nieces, nephews and friends; and his beloved dog, Bo.

-------------------------------------------------------------------------------------------------------------------------------------------

http://msbfh.com/obituary_view/2011-08- ... 16?print=1

Selected messages to Mike Raimo’s family from his caring, fellow Allstate agents:

Brian Jacobi August 22, 2011
I never met Mike, but we were "brothers" thru our affiliation with Allstate. My prayers are with the Raimo family during this time, and always hereafter. May God wrap his arms around all of you.

Mark in SC August 22, 2011
My wife and I have been deeply moved to hear of Mike's death.Please accept our sincerest condolences and prayers. May you find some comfort in knowing that there are many people from across the country that are praying for you.

Tom Jecker August 22, 2011
To all of the family members, You have THOUSANDS of agents across the Country that are Praying for you during this terrible time. May you all seek some comfort in knowing his life and passing has effected our whole Agency Force. Love, Tears and Prayers to you All.

Donna August 22, 2011
I never knew Mike except that he was also an Allstate Agent.I just wanted the family to know that all the agents are grieving for the loss of such a caring guy.Rest in peace.You are in good hands now.

Claudia Gamache August 22, 2011
I am so sorry for your loss. I understand the pressure and have spent plenty of hours trying to figure out why Allstate doesn't see the value of it's agents and their dedication and the care they give to customers and the sacrifice they make for their families. My prayers are with you and your family. I am so very sorry for your loss. An Illinois agent.

John Kipp August 23, 2011
My wife and I extend our prayers and sympathies for your loss. The entire Allstate Agent family is grieving with you but trust that Michael is certainly in the "good hands" of our Father in heaven.

Brian York August 23, 2011
God bless you and your family. So sorry to hear of your loss. I never had the opportunity to meet Mike, but he has served as an inspiration to many of us. My sincerest condolences. Brian York fellow agent Tifton GA

Lynette Coley- Florida August 23, 2011
I also am a fellow Allstate agent. I know the pressure and am so very sorry for your loss of Mike. Believe me, there are thousands of agents praying for your family and know that we are with you in spirit. May the Lord be with you all at this time and in the coming months ahead. God bless you all.

Cheryl Karr August 23, 2011
My heart has been heavy since the day I heard. As a fellow Allstate Agent, I mourn for you and your family more than you will ever know.

Tim Brozovich August 23, 2011
My thoughts....My heart....and my prayers go out to your family in your time of need. Please know that Mike has a family truly bigger than one can imagine in his fellow agents country wide. Praying for you in Tarpon Springs FL Agency Owner.

John Giguere August 23, 2011
My best to the family from a fellow Allstater.

dennis booth August 23, 2011
" Now is your time of grief,but I will see you again and you will rejoice, and no one will take away your joy" John 16:22 To the Raimo Family,May God be with you at this time of pain. Many members of the Allstate Agent Family around the country are praying for you.

Karen Butterson August 23, 2011
Raimo family, Our hearts are saddened for your loss. Although I never met Mike, I have read all the beautiful things his friends, and family have said and now know what a great Man he was. We will continue to pray for Mike and your entire family. may God Bless You All!! Allstate agency owner

Angela Albertini August 23, 2011
I did not know Mike, however, I am an Allstate agent and know well the tremendous that is put on us all. I am so very sorry for the loss for the Raimo family, my thoughts and prayers are with you all.

mike blake August 23, 2011
fellow agency owner California

John Boyter August 23, 2011
My deepest sympathy to the family of a person I did not know but have read so many wonderful thoughts from fellow agents. God bless you all and watch over you.

Elaine Taylor August 23, 2011
I'm a Cancer survivor but am not sure I'll be an Allstate survivor. I'll pray for all this tragedy touches. I will fight my battles in honor of this gentleman I never even knew but who has greatly impacted the way I'll live the rest of my life!

Dawn Fields August 24, 2011
As another sister in the Allstate Family, our hearts ache for all of you. Our sense of loss can certainly never compare to the anguish of those close to the Raimo Family but we send to you our sincerest sympathies. I'll be praying for comfort and strength for the entire Raimo Family.

Joseph Knecht August 25, 2011
Dearest family of Michael, there is a hole in my heart and a hole in our company because of your loss, that only the Lord Jesus Christ can heal. I have been going to daily Mass and I beleive that our faith is the only way we will survive these trying times. The evil that we see in our country and our company is meant for our destruction but our God Almighty will turn our sorrow into blessings if we trust in him.

Carl Johnson August 25, 2011
Rest in Peace from your fellow Allstate agents in california.

Becky Leavell August 25, 2011
Although I didn't know Michael Raimo, I send my thoughts and prayers to his family and friends. Becky Leavell A fellow Allstate agent

Carol von Clausburg August 25, 2011
Please accept my sincere sympathies on the passing of your husband and loss to your family. An Ohio agent.

Jesse Noll September 9, 2011
Although I did not know you, you are still part of my family. The Allstate Family. My heart goes out to your family through these tough times. I pray that great people of Allstate (agency force) rally and help your family in any way needed. God bless from Seattle, WA.

robinknoll September 15, 2011
Your family is in our prayers. As fellow Allstate agents in Michigan, We know the stress he suffered and pray for God to hold your family close to Him in this time of great loss. God Bless
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Fri Oct 11, 2013 2:10 am

http://www.pctg.org/forum/topic.asp?TOPIC_ID=81

Adjuster who shot herself at job said she'd been 'pushed'
By Brandon Ortiz
HERALD-LEADER STAFF WRITER

Veteran claims adjuster Sarah Howard shot and killed herself at her desk in Lexington in 1999.The suicide of a veteran claims adjuster in her Lexington office could play a role in Geneva Hager's class-action lawsuit against Allstate Insurance Co.

On an August morning in 1999, Sarah Howard sat behind her desk at Allstate's claim office on North Eagle Creek, pointed a pistol to her head and pulled the trigger.

The 22-year veteran left a handwritten note on Allstate letterhead:

"Remember this as employees are people, with faults. You can only push them so far without something happening. I'm only surprised someone hasn't done something sooner. Don't even think that I am the only one you have pushed this far.

"You kill people in many ways."

According to a lawsuit filed by her son, Allstate drove the 47-year-old woman to her death. Howard had filed for workers' compensation, complained of "illegal practices" and disability discrimination, and sought medical leave. Allstate retaliated by increasing her workload and harassing her, the lawsuit alleged.

Howard's death has a connection to Hager's case: Howard was the adjuster who handled Hager's claim, so neither side will have the benefit of her testimony.

It's not clear whether Hager's lawyers will be allowed to bring up Howard's suicide if the case goes to trial. Hager's attorney Paul Kaplan said it's up to Judge Thomas Clark to decide whether it's relevant.

Howard's former supervisor, Debbie Niemer, said it isn't, but she declined to comment further.

Linda Brown, who was Howard's friend and co-worker, sees a direct relationship. She said Howard was struggling under the increased workload of new claims-handling procedures and her treatment by superiors.

But it also fits into what attorney J. Dale Golden has said, in court, is a larger pattern of harassment against anyone who stands up to Allstate. Golden also represents Hager.

After Howard began to suffer from depression, Niemer "was told to get rid of her," Golden said. Niemer, a former casualty manager, refused.

Howard's supervision was transferred to another supervisor with the instructions "to make her life a living hell," Golden said in court last year.

Howard's son's lawsuit stated that her supervisor sneered at her for having suicidal thoughts and said that if death was a way out of her misery, Howard should take it.

The lawsuit was settled out of court. Howard's son could not be reached for comment.

"The way Allstate treats its employees is very similar to the way it treats anyone who would dare make a claim against Allstate," Golden said.
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Oct 14, 2013 3:53 pm

http://graham.main.nc.us/~bhammel/INS/C ... 61400.html

EX-WORKER SUES ALLSTATE AFTER FIRING COLLEAGUE'S SUICIDE LED TO DECISION
Lexington, KY Herald-Leader
Saturday, June 3, 2000 Section: City & Region Edition: Final Page:
C1 By Louise Taylor, Herald-Leader Staff Writer

One morning last August, Sarah Howard sat behind her desk at Allstate Insurance Co.'s
claims office on North Eagle Creek in Lexington, pointed a pistol at her head, and pulled the trigger.

She was 47, a mother, an Allstate claims adjuster for 22 years, and
she was miserable. She killed herself in the place that she blamed
for that misery.

On an Allstate memo pad, "Committed to Quality" stripped across the
bottom and her name across the top, she printed her suicide note
in block letters. It was addressed to Allstate management, and read,
in part: "Remember this, as employees are people with faults. You
can only push them so far without something happening. I'm only surprised
that someone hasn't done something sooner. Don't even think I am
the only one you have pushed this far.

"You kill people in many ways."

Her death hit her colleagues hard. One, who was also a good friend,
said the suicide helped jar her into filing a lawsuit against Allstate.
She is Linda Brown, who worked at Allstate's Lexington claims office
for 12 years. Allstate fired her in March 1999, about six months
before Howard killed herself.

Brown and her lawsuit paint Allstate as a working hell: a place where
employee medical problems were met with increased workloads; a place
where adjusters were rewarded for lying to people to keep insurance
claims down; a place where employee turnover was so frequent that
people would start work on Monday and quit on Wednesday; a place,
in short, where humanity was in very short supply.

Allstate and two supervisors named in the lawsuit -- Susan Vance
Brawner and Melissa Rogers -- vehemently deny Brown's allegations.

"We believe the judicial process will set the record straight on
this matter," Allstate spokeswoman April Eaton Robinson said. "Because
of pending litigation and to respect the privacy of all parties involved,
we are unable to provide additional comment at this time."

Last week, Brawner and Rogers filed a response that acknowledges
Brown was fired but dismisses all of her other claims as untrue.
They also dispute Brown's claim that she was long rated as an exemplary
employee and had won a company award just a month before she was
fired. Allstate filed the same response.

All three defendants ask that the case be thrown out on various legal
grounds, including that Brown failed to exhaust her administrative
remedies and that her legal complaint violates provisions of Kentucky's
civil rights, workers' compensation and equal opportunity laws.

Brown and her attorney, Rob Roark, are unruffled by the prospect
of Allstate painting her as a incompetent whiner with an ax to grind.

"'There are going to be people who will say I was fired, I was disgruntled,"
Brown said. "Sure, nobody likes to get fired. But I never went to
see an attorney, even though I had many claims, until Sarah killed
herself. Her family is looking to me to get justice for her, and
I want that for them.

"Also, I was in such an emotional state that I couldn't talk about
Allstate for six months. That's how beaten down I was. Sarah's death
gave me the courage to pursue my claims and help her family pursue
hers. I knew I couldn't let Allstate continue to treat people that
way. It's unconscionable."

Howard's 29-year-old son, L.T. Howard of Phoenix, said Brown "is
helping me decipher what my mother went through."

"The stress from her work was a catalyst toward her depression,"
Howard said, referring to his mother. "I don't think Allstate pulled
the trigger, but I certainly think they put the gun in her hand.
Her diaries speak volumes about the way that Allstate treated her."

Why did they not quit Allstate?

"I believe at first it was a matter of pride or stubbornness," Brown
said. "We had both been at this company for many years, but as soon
as we disagreed with their programs we turned to lepers."

Roark added that Brown did seek another job, but Allstate gave her
horrible references.

Brown said that maybe she and Howard should simply have quit: "Sarah
and I had told Allstate point blank that we were not going to quit.
Looking back on it now, I am not sure that was the best thing for
my emotional state. Was it best for Sarah? Obviously not."

In her lawsuit filed March 30 in Fayette Circuit Court, Brown alleges
that the company fostered horrific working conditions and that one
supervisor urged Howard as well as Brown to take their own lives
if they couldn't handle their heavy workloads. She seeks unspecified
compensation for lost wages and punitive damages.

Said Brown: "How would you feel if you told your manager that your
workload was getting out of control, and he or she replied: 'Well,
I know you've been in the hospital with suicidal thoughts. Maybe
you should take that route out.'

"My manager told me that. She told Sarah the same thing. The only
difference is that Sarah did it."

Allstate also did such things as piling more computer work on Brown
after its own doctor had diagnosed her with carpal tunnel syndrome
and ordered her to do less such work, the suit claims.

Brown also alleges that Allstate engaged in seamy practices, such
as paying less than fair value on certain insurance claims -- and
that it was her complaints about those and other matters that prompted
her firing.

Brown singled out one Allstate program called "Do I Need an Attorney?"
which, in essence, answered its own question with a firm "no." The
program, Brown alleges, fraudulently discouraged people with claims
from hiring attorneys. It did so, she said, by instructing adjusters
to lie to the claimants by telling them they would get the same amount
of money with or without an attorney, when, in fact, Allstate's own
research showed that people with attorneys generally got about 40
percent more in settlements.

Brown said she, too, wrestled with thoughts of killing herself: "Sarah
and I discussed doing it together at the Allstate office. We always
said, 'If we ever do it, we'll do it there, because that way they'll
finally have to deal with us.'"

She couldn't take that final step, though. "I was at Sarah's memorial
service. Her son, L.T., was standing there, and all I could see was
my son. I couldn't do it. Some people I know think Sarah was a coward.

"She was not a coward. She was a very brave, intelligent woman.

"You can only push a person, any person, so far."
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Oct 14, 2013 3:55 pm

http://kentuckyroom.org/node/558549

"Employee's son sues Allstate Insurance over her suicide"
Herald-Leader
09/08/2000

Sarah Howard is gone, having killed herself as she sat at her desk last summer at Allstate Insurance Co.'s Lexington claims office. This week, Howard's son sued Allstate, accusing the company of driving Howard, 47, to her death. the lawsuit is the second of its kind to be filed this year against Allstate, a company portrayed in both suits as mistreating its adjusters. Allstate has said it cannot comment on the lawsuits, but is confident that it will prevail in court.

---------------------------------------------------------------
http://bankrupt.com/CAR_Public/060713.mbx

C L A S S A C T I O N R E P O R T E R
Thursday, July 13, 2006, Vol. 8, No. 138
Headlines


ALLSTATE INSURANCE: Ken. Court Has Yet to Certify Hager Lawsuit

The suicide of a veteran claims adjuster employed by Allstate
Insurance Co. could play a role in a class action by Geneva
Hager, according to the Herald-Leader.

Sarah Howard, who committed suicide in 1999, was the adjuster
who handled Ms. Hager's insurance claim for a vehicular
accident. Mrs. Howard's son had sued Allstate saying the
company drove her to death by increasing her workload and
harassing her after she filed for workers' compensation,
complained of "illegal practices" and disability discrimination,
and sought medical leave. The lawsuit was settled out of court.
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Re: Allstate's Greed Will Destroy Careers And Lives

Unread postby RatPak11 » Mon Dec 16, 2013 2:44 pm

*The following comments were taken from the Allstate Yahoo Message Board:

http://finance.yahoo.com/mbview/searchv ... s&in=b&sm=


Blood on their hands?? 23-Aug-11 08:45 pm Just a few disgruntled agents?…………..NOT!
rickandlaur...

Second agent in 30 days commits suicide! Yes this is being reported on message boards now. Just last week another Allstate Agent committed suicide due to the extreme pressure put on agents. He was told his termination letter was on the way.

This is all very sad. Allstate started on this Scientology method of management quite a few years ago. The damage done to personal lives has been devastating. These are not the “few disgruntled agents” that the company spin says….These are good agents the made good money for the company.

The real sad thing is how the pressure has gotten to many of us. Some agents are so backed into a corner that they are taking desperate measures to survive. And some don’t see any way out!

I was an Allstate agent for 32 years. I was one of the “chosen ones” who was always in good standing with the company. Always made all of my quotas and bought in to most of their programs. But being in good graces with this company is a slippery slope. The threats are always there. The job was killing me. Thank God I was able to sell my profitable agency last month. The choice was to take on a huge financial risk and buy another agency or two to “get to scale” or get out. I was in a position where I could make some personal changes in my life and move on.

The company wants the Allstate Agent to “invest in their business”. The problem is how can you take on a huge financial risk in this environment? As a business person you need to develop a business plan at least five years out. Allstate is so bipolar, it is impossible to make a plan without any real expectations of what to expect from the company!

So, us “few disgruntled agents” are leaving in droves. We built this company and were willing to continue our hard work. But the company does not value us anymore. Guess who goes with us? Yep, the “personal touch loyalists” the customer base that we developed.

This company is going the way of Sears. This management team is like Gadhafi. Complete denial! How to these people sleep at night?

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Re: Blood on their hands?? 24-Aug-11 07:16 am
pdbwinchest...

TC's poor management decisions and misguided focus has definitely taking Allstate down the Myopic Sears Road. The dispair of many middle aged folks who made this company great is felt from coast to coast and any life lost due to this mismanagement and economic downturn is a stain that will remain with this Poor Management Group for a lifetime.

Current Management is now relying on Brand; but they fail to realize that the All Brand is only as good as those who represent it, Not Those Bean Counters In Management, and unlike the Golden Arches, the products they now put on the table is much higher than the competition and they hide behind the Stakeholders need for increased stock prices while at the same time they reduce the dividends and waste Billions on buybacks that could be better used to lower prices and show their consuming public a real appreciation for Our Personal Touch Loyalist.

While they blame the Agents for lower production levels and loss of PTL's, they go out and invest Billions in CDS's and now blame the Investment Firms for their poor decisions and lack of due diligence on their part.

This Blame Game has Failed them in the Past and will Fail them in the FUTURE. We need CHANGE NOW.


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Re: Blood on their hands?? 24-Aug-11 10:00 pm
gatore52

TPP and take your client s with you. Personal touch market wants YOU. I have a plan B, and I plan on leaving soon, with my staff, and will take most of my clients with us. There is a special place in Hell for our CEO and the rest of his puppets..............BURN you BAST---ds!
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Re: Blood on their hands?? 29-Aug-11 06:36 am
dotdotdot3d...

I have been an Allstate customer since buying my first car 42 years ago. Had one agent for 30 years till he retired and now remain with only the second ALL agent that I have ever had...but to my surprise, my loyalty is gone. The only thing that keeps me doing business with this company is the solid local office in Chicago that I have dealt with for so long, which is always there for me.
Competitors are cheaper, and I'm getting pummeled with calls and sales letters from many state farm small offices, so they have apparently been put into the gladitorial area to cannibalize each other. It's too ugly for me as a consumer to hang around and be pawns in these corporate games. If anything happens to my agent and her support team, I'm going with them, I just hope she'll let me know what company to switch to, as I trust her judgement a lot when it comes to all types of insurance.
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Re: Blood on their hands?? 27-Aug-11 03:11 pm
haroldkande...

You have it right, I was a 30 yr agent that sold a couple yrs ago, also met the
goals but the stress was unbearable with a questionable future.
They forgot that the agents brought in their revenue. I copied a statement from Crains' that said it all.

"In 2010, Encompass accounted for just 4% of Allstate’s total premiums, down from7% in 2006. The vast majority of Allstate’s revenues come from its network of 12,000 Allstate agents."
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