“I’ve actually held the hand of many spouses who’ve misplaced their family members, attended funerals of fogeys who misplaced their little one, sat with policyholders as their residence smoldered in ashes. AI can’t exchange a human who cares about different people.” – A 20-plus-year State Farm agent, r/StateFarm
The brokers making this argument will not be merely defending their incomes, although they’re doing that too. They’re figuring out a selected aggressive threat that the contract restructuring creates: the purchasers almost definitely to stick with a dearer insurer are exactly the purchasers whose wants are most advanced, whose claims are most severe, and whose belief was constructed by precisely the type of service the brand new economics not prioritise. The contract modifications don’t simply scale back agent compensation. They realign agent incentives away from the purchasers State Farm most must retain.
