Harold Bodego is a rather experienced health insurance, home insurance and auto insurance broker. On Monday morning, he knew it would be just another day of shuttling back and forth between the big insurance companies and his clients, if not physically than mentally and electronically.
But Harold looked forward to this because it gives him a great sense of satisfaction to get a good deal for middle and lower middle class families. He searches through a stack of policies for the policy that will be most suitable and beneficial for his client. He also aims to get his clients a reliable policy with the lowest premium payments, so they do not need break the bank each month to make payments.
Home and Auto Insurance UK
A number of people who opt for home and auto insurance live in dangerous neighborhoods where gang warfare is becoming increasingly prevalent and the crime rate is high. In such areas there are acts of arson, car thefts, burglaries, etc. Of course, people who live in safer areas opt for home and auto insurance too because none of these people will be able to bear the financial loss if their home is destroyed by a natural disaster or fire. It would be a significant financial blow for them if their car were stolen or damaged as well.
Harold came from a middle class family too. He learnt about the benefits of insurance at an early age. When he was 11 years old, he lost his father in a car accident. The father was the sole earner of the family, and with 5 more children to support the only thing his mother could fall back on was Mr. Bodega’s life insurance policy. The money that the family got from the insurance company helped to pull them through the hard times and all the children were able to complete their education.
Harold relates this personal incident several times because he wants middle class families to have a social safety net to rely on in case one of the income earners passes away. With the rising rates of obesity and heart disease, such tragedies are unfortunately becoming more likely. As Harold gets into the elevator, he adjusts his tie and golden tie pin. Although Harold is a Bermuda shorts and flip flops kind of man, when he comes to work he dresses meticulously because he knows that the great impact his attire has on his clients. His well tailored and sober clothing gives an impression of organization, seriousness, hard work and reliability. Once Harold enters his office, he is sucked into a whirlpool of activity. The phones are ringing all around him and his young trainees run back and forth, receiving calls, scribbling down notes and contact information, skimming through folders, struggling through files and spilling coffee on the fairly new dark olive green carpet.
Insurance Companies UK
Harold creates a task list everyday. He sets goals to contact a certain number of clients and insurance companies, sell a certain number of policies and solve a certain number of problems. The work can be depressing and frustrating but ultimately satisfying. William Terrance, one of his clients calls. He is extremely agitated because his health insurance company is not paying for his wife’s cancer treatment, claiming that the woman had cancer before the policy was bought and this fact was concealed. Harold explained that since the Terrances have medical records that show that the cancer was detected well after the policy was bought, they qualify for the insurance payments. Harold immediately calls up the health insurance company and explains to them that if payments are not made promptly, the Terrances will sue the company.
Around midday Harold is headed for Mike Dunnan’s home. Mike is a client with a very complicated case. He knew he was HIV positive but he did not reveal this in the forms he filled out in order to get a health insurance policy because he did not want anyone to know about his illness. He was afraid that word would leak out at his office and he would be fired under some pretext. He was afraid of the alienation suffered by HIV positive people. Unfortunately some higher up in the health insurance company gained unauthorized access to Mike’s files. The insurance company was now planning to sue Mike for concealing crucial information. However, Mike could counter sue for breach of privacy and unauthorized access to his private medical information.
After meeting Mike, Harold is headed for Vachita Lane. This is a middle class neighborhood with a relatively high crime rate. After managing to sell two auto insurance policies and one home insurance policy, Harold is headed for South West Park. This turned out to be a very lucky day for him as, after two weeks of negotiations, the software house based in the area agreed to buy health insurance policies for all his employees. This meant that Harold would get enough bonuses and commissions to take his wife on a nice vacation to Greece. Harold could not stop smiling as he switched off his laptop and gathered his papers together at 5pm. He was finally heading for home and looked forward to the comfort of his Bermudas and flip flops.
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