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The business model where you have a long-standing relationship with your local agent is gone.
Now they recruit the lowest quality agents and pay them peanuts. Agents are charged with selling - not service. Indeed they are prohibited from even contacting the claims office if you have a claim. If you have been with SF for years and assume that your loyalty will be even acknowledged if/when you have a claim, you are mistaken. They told me so specifically.
Agent won't return your call? Forget trying to reach out to "corporate". All calls and emails are ignored or redirected to the agent.
The new business model is low-cost churn. It's very simple but completely flawed: 1) Make your long-term customers believe you will be there for them - until they have a claim. 2) Cut all agency costs and infrastructural support costs to drive profit. 3) Use the profit to run ads to get new customers faster than the current customers figure out the scam and leave. 4) Line the pockets of the management team.


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