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Not making a call on what you did, because I'm sure it was legit.
One point I don't think got enough attention though, was that cheaper isn't always the definition of "doing what's right". Just because someone is paying more for the company you represent, might not be the only thing that matters. How is the customer service? Overall, how are the rate increases? How well are claims handled? These are all other considerations people do (or at least should) make in choosing insurance coverage.
Let's also not ignore that specifically with P&C, agents frequently can find gaps in coverage, especially if they're competing against call center reps. If you're helping them better understand their coverage and they want to vote with their dollars to have you as an agent, even if it's more expensive, there is nothing unethical about that. It's good business.
One point I don't think got enough attention though, was that cheaper isn't always the definition of "doing what's right". Just because someone is paying more for the company you represent, might not be the only thing that matters. How is the customer service? Overall, how are the rate increases? How well are claims handled? These are all other considerations people do (or at least should) make in choosing insurance coverage.
Let's also not ignore that specifically with P&C, agents frequently can find gaps in coverage, especially if they're competing against call center reps. If you're helping them better understand their coverage and they want to vote with their dollars to have you as an agent, even if it's more expensive, there is nothing unethical about that. It's good business.