I am a recent NC State graduate who is now an insurance professional. From personal experience I know that many college students do not have adequate insurance. I can help you with these needs. We provide auto, home, and health insurance at reasonable rates. Please call or email if interested.

John Hassell
john.hassell@ncfbins.com
7048922640

11/21/2007 2:51:21 PM

NTLB

4/20/2014 1:16:06 PM

If I had a dollar for every insurance "professional" who has solicited me for bidness in the last six months, I could probably afford adequate insurance.

4/20/2014 1:50:11 PM

I can show you pictures of what the cut rate shoddy "DP-1" policy Farm Bureau sold me does not cover, and I can show how they did not cover any of the almost the almost $30,000 in damage, and how it did not cover any loss of use either which was another $2600 on top of everything else.

If you work at Farm Bureau you should quit now, switching to Farm Bureau was the worst thing I have ever done. I am still dealing with the fall out almost a year later and Farm Bureau would not cover any of it.

PLEASE FOR THE LOVE OF GOD DO NOT SWITCH TO THIS PISS POOR EXCUSE OF AN INSURANCE COMPANY.

4/20/2014 9:09:42 PM

farm bureau does indeed blow

4/20/2014 9:12:38 PM

John Hassell is a LIAR and a THIEF. John Hassell sold me cut rate insurance laced with deworming agent!

4/20/2014 9:15:40 PM

There is nothing like having the same insurance company for 5 years and then having to refinance your house to pay for damage because you were sold a shitty cut rate policy and your agent never bothered to explain how shitty the policy was.

4/20/2014 9:19:24 PM

Was it a ficus?

4/20/2014 9:52:44 PM

Oh shit, shots fired!!!11

4/20/2014 10:26:56 PM

John Hassell is a gentleman and a scholar!

4/20/2014 10:30:15 PM

John, I just purchased a 2014 Ferrari Berlinetta. Can you give me a ballpark monthly premium for collision and liability and then just liability alone? I'm 35 and have a perfect driving record.

Thanks, fellow wolfpacker

4/20/2014 11:47:37 PM

JOHN HASSELL PLEASE TELL ME ABOUT THE BENEFITS OF WHOLE LIFE INSURANCE I MUST KNOW IMMEDIATELY

4/21/2014 9:33:35 AM

ad.aspx

4/21/2014 9:40:46 AM

LOL at people thinking they could get a rate with generic information. Insurance uses 30+ rating variables son! your info is not enough to derive a rate. Come again!

4/21/2014 9:32:39 PM

LOL!

4/21/2014 9:42:38 PM

MetLife ftw

4/21/2014 9:52:40 PM

If you need after hours help with farm bureau you can fucking forget it, there is absolutely no after hours customer service number.

If you think about it, its a great way they save money, by not having employees to take calls from those pesky policy holders. Not to mention if you could get ahold of them it really would not matter because the policy likely does not cover what your claim is for........they cut that out too in an effort to keep claim costs down.

4/21/2014 10:48:38 PM

Outsidesalesrep.exe

4/22/2014 10:30:07 AM

I pity the desperation that goes along with a dead end sales job. I know from experience.

4/22/2014 10:41:32 AM

Quote :

"JOHN HASSELL PLEASE TELL ME ABOUT THE BENEFITS OF WHOLE LIFE INSURANCE I MUST KNOW IMMEDIATELY"

and if it requires a physical, please send a female nurse. I have an area I'd like her to "check out".

[Edited on April 22, 2014 at 10:44 AM. Reason : a]

4/22/2014 10:44:00 AM

I realize this thread is about insurance providers.... which I am not. Hear me out, maybe I can offer some insight.

I am in outside sales, which is currently salary+commission, but will move into straight commission starting at the beginning of July 2010. I have been in this position since July 2009. I have competition from several direct manufacturing sales reps, large distributors, and local distributors. Here are the advantages and disadvantages of each:

Direct Advantages: Immediate knowledge of new technology, no middle man mark up, one shipping bill (paid by manufacturer or buyer of goods), access to larger range of non-commodity items, control inventory, have access to many distributors that can effectively sell their goods which increases market share, and set prices of commodity they manufacture.

Direct disadvantages: Typically have 1-3 sales reps per region (i.e. southeast, mid-atlantic, northeast, etc.) limiting the number of accounts they can successfully manage/cold-call, lack physical customer service or physical technical service available to or affordable for smaller users or altogether, are sometimes not trustworthy because they will go in behind their distributors that sell their commodity to one account in large quantities (i.e. they missed a big account, and have found out about it through a distributor selling their particular product) which leads to the distributor not selling their product anymore, have too many distributors selling the product ultimately driving the set price down through deviations, possibly rely on distributors to actually sell the product, and competition from other direct sources.

Large distributor advantages: have access to other commodities that go hand in hand with other manufacturers (poor example- grocery stores sell milk as well as cereal), get direct pricing, many locations regionally or nationally easing the shipping burden of buyers with multiple locations, personal service either customer or technical, many sales reps that are able to cover a broader territory, access to multiple manufacturers of the same commodity allowing to keep prices in check, service programs that smaller companies can't offer and direct providers can't match in price or value, and experts of many many commodities as opposed to one or a few.

Large distributor disadvantages: smaller local distributors creating price wars (think Michael Scott Paper Co vs Dunder-Mifflin), direct mfg's going in behind and stealing business, limited access to all of the mfg's (you won't find Harris Teeter name brands in Food Lion and visa versa), can't truly set prices because it's based on both supply and demand, territory management, and tough growth prospects in slower economies (this is true for direct as well really)

Local distributor advantages: Typically a good ol' boy setting where the seller and the buyer know each other for years (this does happen at all levels, but mostly at the local level), local folks are right down the street and can be used in emergencies, if the local guy buys at high enough volumes then there is no shipping charge to the end user, and access to both direct mfg's and large distributors.

Local distributor disadvantages: easily beaten in price, array of commodities, array of technology, lack of trained staff, low cash flow, etc etc etc.

This is what I have noticed in my six months, I am sure there are plenty more that need mentioning. The way I am setting myself apart as a sales person is this: I go after the big accounts right now while I am new. The big accounts, if I land them, will take care of me while I am new and building a customer base. The money made off of those allows me to focus free time on smaller accounts that get me higher margins. I build up big accounts, I would like to have 5-10 of these, then get 20-30 medium accounts. If I lose 1 or 2 big accounts, the 20-30 medium accounts keep me afloat while I go after new big accounts. I don't really waste time on small accounts simply because they basically pay for breakfast or something really small.

I will say this, if you can't get a big account in the first 6-8 months (assuming you have cash flow that you can ride this long) you could be in a world of trouble. If you can get one, it will really make going after the others a lot more enjoyable and less stressful. It's simply just very exhausting wasting any time on anything other than big accounts in the very beginning. You work just as hard on the medium sized accounts and see 1/3 to 1/36 of the money in my situation.

If you have any other questions, you can PM me. I hope this helps in the slightest!

4/22/2014 11:13:39 AM

I would like to thank John Hassell for making this thread. It will serve as a repository for everything I absolutely despise about his company and and place to share my story of how they fucked me over as a long time customer. At some point in the near future I will share how other insurance professionals explained to me that the DP-1 policy they sell should not be legal since it does not offer adequate protection for the owner or the mortgage company.

He also posted his contact info so there is a good chance go0gle will pick it up and index it accordingly.

4/22/2014 12:02:14 PM

Sorry John

4/22/2014 12:52:08 PM

I realize this thread is from 2007, but hear me out

4/22/2014 2:06:09 PM

FARM BUREAU INSURANCE IS LIKE

CAPTAIN Lee Jun-seok

4/23/2014 1:29:54 PM

Looks like your insulation is wet, thats not covered in your policy.

Someone email john.hassell@ncfbins.com. We need his opinion on this issue.

[Edited on April 23, 2014 at 1:37 PM. Reason : .]

4/23/2014 1:30:56 PM

pipe burst?

4/23/2014 1:32:43 PM

PAYING FARM BUREAU IS LIKE PAYING "SNOW WHITE" IN VEGAS WITH A DEBIT CARD

SHE TAKE YOUR MONEY BUT YOU GET NO SERVICE

4/23/2014 1:38:08 PM