Okay...the following will sound flippant. It's not. I was genuinely touched.
My new job that I've mentioned is with an insurance company. Personal Lines; Property; Casualty. I work in the Call Center answering billing questions. An agent called me today with a sob story about a couple whose policy cancelled yesterday for non-payment. They are genuinely hard-working people, fallen on hard times. Taking care of a dangerously ill child took precedent over a second income. There's been a recent death in the family as well. Please don't cancel. Please make an exception. What do we have to do?
Yada yada yada...and the dog ate my homework. You have to pay the amount due. That's it. Pay your bill. Okay,
that was the flippant part.
The thing is, this story is all too familiar. These people the agent told me about are not deadbeats. They're parents that had to make a decision whether or not Mommy was going to take care of their sick child in the hospital while Dad was driving long-hauls in a truck, trying to make enough to keep their heads above water, or was Mommy going to work the second job?
I had to tell the agent that there was nothing that I could do. The policy cancelled yesterday for non-payment. It wasn't like it was sudden. I had to explain that no less than four letters had gone out. They had simple used up all of their several grace periods, and calling the day after was too late.
The agent insisted that payment could be made in 10 days when Dad gets paid. I explained that a new policy would have to be written. This one had cancelled. I conferred briefly with my Supervisor who pointed out that at this time, re-writing was going to generate a down payment that would be less than the four months that they were behind. I related that to the agent. Sorry. Nothing more that I could do.
Now here's the kicker.
Ready? The agent
thanks me.
Thanks me for looking at the policy so hard and for conferring with my Supervisor to make sure there was nothing that I missed.
She tells me that the bank that holds the mortgage on the home told Mom "If you were renting you would have been evicted by now" when the woman went in to explain why they were behind and to assure them that payment would be made on the first of next month, when Dad gets paid. I was floored.
Okay, there was nothing that I could do to assist, but at least I showed some human empathy. At least I sympathized and made an effort.
The agent didn't know I’m a newbie. She heard "I'm sorry. There's nothing that I can do at this point. This, however, is what I suggest..."
She called me a sweetheart. She asked to speak to my Manager so that she could sing my praises. She asked me transfer her. I'd like to say that I was thinking
Heck yeah! I've got a 90 day review coming up! See, flippant again. The truth is that I was touched. Touched by the hardship of the family. Touched by the agent's concern for them. Touched by her praise of me...after I told her
no.
Re-writing this kind of policy is a pain in the butt for an agent. That's not where her concern was. She is an exceptional person. I will remember her the next time someone is yelling at me. I'll remember how she made me feel and I'll remember that my attitude made her feel better, even though I couldn't help. I'll remember her when it's getting hard to keep the
yada yada yada out of my voice.
Sometimes people are amazing.