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"Let face it we sell paper"??
When you say we sell paper, I thought it was an add for Dunder Mifflin..
somarco, I hear you loud and clear ...the old adage in P&C is you live by price, you die by price...however, I've been very successful by marketing on price and overdelivering on service (95%persistency) any P & C agent on the board will verify that persistency is among the highest. And yes, I'm bragging on behalf of my crew for all their hard work.
I'm simply taking advantage of a certain "recession mentality" and marketing mainly on price. New apps were up over 20% at year end 09 versus 08. And 08 was a darn good year.