hiddenmuse (![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
hiddenmuse) wrote2002-12-03 07:35 pm
hiddenmuse) wrote2002-12-03 07:35 pm
Death Metal Brace ... and Work Crap
Because I am a geek, I have Carpal Tunnel Syndrome in my right wrist. No, it's not from chronic masturbation. More like using a computer without a wrist-rest for a long time several years back. The CTS doesn't bother me much now, but after that fall I'd taken Saturday, I've been wearing the brace because my wrist is quite sore.
Anyways, rather than the standard-issue tan brace, I have a brace that would do a Goth or a Death Metal geek proud - black neoprene, with velcro straps for that inner Bondage Fiend (okay, maybe not). I feel like I should be flashing the Devil's sign at a Metallica show or something ... or just flipping the bird at random strangers. ;)
Work, besides providing me with a sleepless night last night, proved to be unsane as usual. I swear, I'd think that someone in their 40s would be above arguing over semantics ... and would know at least *something* of how the Insurance business works.
Yes, my favorite 'Love to Hate Him' producer was getting a bit hopped up over the Named Insured/Additional Interest deal. He wasn't going to make this easy at all, that's for sure. We ended up pulling the underwriter in, and when I forwarded Phil's response to the producer, he got upset over it referring to a "Corporation" not an "LLC" (Limited Liability Corporation), and wanted me to find out if they'd write it for an LLC. Despite my swearing up and down that e-mail was the best way to correspond with Phil, I ended up leaving him a voicemail, with the producer standing nearby. No response to the voicemail, so I e-mailed him. And found out that the company doesn't care if it's a Corporation or an LLC - it would still be a commercial policy.
Now, it was up to the producer to tell his client this. In the meantime, Sherry and I discussed the hours put into pulling everything together. Between her and I, we'd spent the equivalent of a work week on this alone, which really had her somewhat pissed, because it's like "all this and nothing". In discussing the matter with Vicki, I told her that I was worried about possible fraud, and Errors & Omissions (E&O - basically corporate malpractice) issues from writing it the way that the client wanted it. Basically, if the client were able to succeed, we'd be deceiving the insurance company, which would nullify the coverage. And if there was a claim, our agency would be paying for it personally. This is not a good thing. Like I told her, "I may be young and inexperienced, but I'm not stupid."
There is good news: the producer got his client to accept our terms for writing coverage. Of course, the client was reluctant, and not very happy about it, but since he needs the coverage tomorrow, he was willing to go along with it.
The producer was impressed with my work on writing the business from start to finish, and Sherry told me that my underwriting skills are being fine-tuned by this experience. In her words, I've gone through the Evelyn Wood School of Speed Insurance Underwriting. Even Vicki reminded me (after my comment about being young & inexperienced) that I'm learning things every day, and that it's giving me experience.
So, even if I was ready to lose my mind, I did get through it. Now, I get to meet this client tomorrow morning, when he comes in to sign the applications, give us the money for the policies, and get his papers for the closing. I'll be wearing my gray suit and new black wedge heels. Powerful, yet almost sexy. And I'm doing it for the best reason - just because.
Not only is my live journal an occasional source of filler, but now you're also getting the insurance education you didn't even know you wanted! In the words of the article in the latest U.S. News & World Report, "Stay on your insurance agent's good side." Yes, please do. Compliments are nice, and bribes are accepted. ;) If that's too much to ask, please don't yell at me. The job's already stressful enough without someone treating me like I'm their whipping girl.
Maybe tomorrow, I'll have more insurance drudgery to bore you with - and I may even have a few people deciding to disown me for doing so, but that's okay. ;-D
Anyways, rather than the standard-issue tan brace, I have a brace that would do a Goth or a Death Metal geek proud - black neoprene, with velcro straps for that inner Bondage Fiend (okay, maybe not). I feel like I should be flashing the Devil's sign at a Metallica show or something ... or just flipping the bird at random strangers. ;)
Work, besides providing me with a sleepless night last night, proved to be unsane as usual. I swear, I'd think that someone in their 40s would be above arguing over semantics ... and would know at least *something* of how the Insurance business works.
Yes, my favorite 'Love to Hate Him' producer was getting a bit hopped up over the Named Insured/Additional Interest deal. He wasn't going to make this easy at all, that's for sure. We ended up pulling the underwriter in, and when I forwarded Phil's response to the producer, he got upset over it referring to a "Corporation" not an "LLC" (Limited Liability Corporation), and wanted me to find out if they'd write it for an LLC. Despite my swearing up and down that e-mail was the best way to correspond with Phil, I ended up leaving him a voicemail, with the producer standing nearby. No response to the voicemail, so I e-mailed him. And found out that the company doesn't care if it's a Corporation or an LLC - it would still be a commercial policy.
Now, it was up to the producer to tell his client this. In the meantime, Sherry and I discussed the hours put into pulling everything together. Between her and I, we'd spent the equivalent of a work week on this alone, which really had her somewhat pissed, because it's like "all this and nothing". In discussing the matter with Vicki, I told her that I was worried about possible fraud, and Errors & Omissions (E&O - basically corporate malpractice) issues from writing it the way that the client wanted it. Basically, if the client were able to succeed, we'd be deceiving the insurance company, which would nullify the coverage. And if there was a claim, our agency would be paying for it personally. This is not a good thing. Like I told her, "I may be young and inexperienced, but I'm not stupid."
There is good news: the producer got his client to accept our terms for writing coverage. Of course, the client was reluctant, and not very happy about it, but since he needs the coverage tomorrow, he was willing to go along with it.
The producer was impressed with my work on writing the business from start to finish, and Sherry told me that my underwriting skills are being fine-tuned by this experience. In her words, I've gone through the Evelyn Wood School of Speed Insurance Underwriting. Even Vicki reminded me (after my comment about being young & inexperienced) that I'm learning things every day, and that it's giving me experience.
So, even if I was ready to lose my mind, I did get through it. Now, I get to meet this client tomorrow morning, when he comes in to sign the applications, give us the money for the policies, and get his papers for the closing. I'll be wearing my gray suit and new black wedge heels. Powerful, yet almost sexy. And I'm doing it for the best reason - just because.
Not only is my live journal an occasional source of filler, but now you're also getting the insurance education you didn't even know you wanted! In the words of the article in the latest U.S. News & World Report, "Stay on your insurance agent's good side." Yes, please do. Compliments are nice, and bribes are accepted. ;) If that's too much to ask, please don't yell at me. The job's already stressful enough without someone treating me like I'm their whipping girl.
Maybe tomorrow, I'll have more insurance drudgery to bore you with - and I may even have a few people deciding to disown me for doing so, but that's okay. ;-D