Dave Ramsey Employee Interview

As we interview the person, we must tell them what we are going to do for them. We will make it so that they will not want to call any other companies after they speak with us.

SCRIPT:
Thank you for allowing us to find your best insurance option. Most insurance agents represent only one insurance company. For example, State Farm, Farmers, Allstate or American Family agent only represents that one company. If you walk into their office, they only have that one company on the wall. We're different. We represent MULTIPLE companies. We go to each of our many insurance companies to find the very best option. If you walk into our office, there are many companies on our wall. It makes a big difference in being able to find the best option for our clients.

Today's Date

Name of Interviewer

Customer Information

What is your first and last name?*

First Last

What is your date of birth?

What is your best phone number?

Is the phone number a cell, home, or work phone?

What is your best email address?

How did you hear about us?

Name of Realtor?

Name of Loan Officer?

Name of their company?

Name of person who referred you?

The relation (co-worker, friend, etc)

How do you feel about your current insurance situation?

Have you gotten any other quotes? If yes, what is the company & price?

What do you do for work?

What is the name of the company that you work for?

Are you married or single?

What is the name of your spouse?

First Last

What is their date of birth?

What is their best phone number?

What is their best email address

What do they do for work?

What is the name of the company that they work for?

Between you and your spouse, does one of you have better credit than the other?

Is this a home that you already own, or are you in the process of buying it?

What is the address of the new home

Street Address Address Line 2 City State ZIP Code

What is the date when you will be closing on your new home?

Approximately, how much is your purchase price?

Approximately, how much is going to be your loan amount?

What is the address where you currently live?

Street Address Address Line 2 City State ZIP Code

Residence type

Do you own or rent

How many years have you lived there?

Address of prior residence

Street Address Address Line 2 City State ZIP Code

Number of years at prior address?

Which type of policy are we doing? Home or Auto?

Home
Auto
...(...)...

Cross sale script: The largest discount that we have access to is called the 'bundle discount.' This is if we can bundle your home and auto insurance together. Would you be opposed to us looking at your home to see if it would make sense to put them together in a package?

Home Section

Is this home going to be your primary residence

Yes
No

How is the property used?

Will it ever be used as a short term rental? (Airbnb, etc)

Yes
No

When do you plan on selling the home?

What exactly will you do to the home to renovate it?

How much will you spend on renovations?

What utilities are on and which are off?

Will this property be owned in your personal name or will it be owned in the name of an LLC?

Personal name
LLC

What is the name of the LLC

Details? (How is it being used?)

Is the property brand new construction?

Yes
No

What is the approximate year that the home was built?

How many stories above ground?

How much square feet above ground?

How many bathrooms?

Are the kitchen or bathrooms "custom"? (high end finishes, etc)

What percentage of the basement is below the first foor?

How many car garages does it have?

Does it have a deck?

Yes
No

How much square feet is the deck?

What type of heat does it have?

Approximately, what year was the heating last replaced?

Approximately, what year was the plumbing last updated?

include any details if they know any or even if they don't know the year.

Is the plumbing copper or galvanized in the walls?

Copper
Galvanized

Approximately, what year was the electrical last updated?

include any details if they know any or even if they don't know the year.

Does your electrical system have fuses, or is it a circuit breaker?

Fuses
Circuit breaker

Is your roof a normal asphalt roof?

Yes
No

What type is it?

What year was the roof last replaced?

If you look at the roof from the street, is there anything that you see that is not perfect?

Is the roof a 'class 4 hail resistant' roof?

Yes
No

Do you have documentation that you could possibly send to us about the 'class 4' roof?

Is the home in the city limits?

Yes
No

How many miles is it to the nearest fire department?

Is there a fire hydrant within 1000 feet of the home?

Yes
No

Are you on well or city water?

Well
City

Are you on a paved road?

Paved
Unpaved

How much land do you have?

Do you have any animals? (details?)

Number of homes you can see from home?

What is the primary source of heat?

Do you do any business activities at all on your property?

What type of siding is on the outside of the home?

Is there a basement?

Yes
No

Is the basement finished? If not, how much completed is it?

Is there a crawl space?

Yes
No

Is there a trampoline?

Yes
No

Does it have a net around it?

Yes
No

Is there a swimming pool?

Yes
No

Is there a diving board?

Yes
No

Is there an air conditioner?

Yes
No

Is there a swamp cooler?

Yes
No

Is there a fireplace?

Yes
No

Is is wood or burning gas?

Wood
Gas

Is there a free standing wood or pellet burning stove?

Yes
No

What kind of stove?

Is the stove in a detached building or is it in the main home?

Does it look like it was professionally installed?

Do you have any dogs?

Yes
No

How many do you have?

What are the breeds?

Is there any bite history?

Is there a business on the property where customers go in and out?

Yes
No

What is the business?

How many people come to your home each week because of it?

Is there a security system that is monitored by an alarm company?

Yes
No

What is the name of the company that monitors it?

Is there a smoke or fire alarm connected to the system?

Yes
No

Are there any solar panels?

Yes
No

Do you own them or do you lease them?

What is the value of the system?

Do you have any individual items that are worth more than $1500?

Yes
No

What type of collection is it, and what is the value of the entire collection?

What are the names and values of the most expensive pieces?

Do you currently have these items scheduled on your homeowners insurance policy?

Yes
No

Have you had any homeowners insurance claims in the past 5 years?

Yes
No

Details? (what and when)

Will you ever rent your home or any part of it as an Airbnb or a short term rental?

Yes
No

Script: Because there are so many coverages on a homeowners insurance policy, the only way that we can do a proper comparison for you is if we know every coverage. How hard would it be for you to send your current homeowners insurance coverage pages to us?

Details?

Which homeowners insurance company are you with now?

Annual premium

Dwelling amount

Other structures

Personal property

Liability

Medical

Deductible

Scheduled jewelry or property?

Water backup

Home policy effective and expiration dates

Auto section

Number of drivers in household?

Driver 1 name and relationship

Needs to be the person being interviewed.

Driver 2 name and relationship

Should be the spouse or partner of the interviewee.

Driver 3 name and relationship

Driver 4 name and relationship

Driver 1 date of birth

Driver 2 date of birth

Driver 3 date of birth

Driver 4 date of birth

Driver 1's license number

Driver 2's license number

Driver 3's license number

Driver 4's license number

Driver license state (1)

Driver license state (2)

Driver license state (3)

Driver license state (4)

Any tickets or accidents within the past 5 years? (1)

Any tickets or accidents within the past 5 years? (2)

Any tickets or accidents within the past 5 years? (3)

Any tickets or accidents within the past 5 years? (4)

Are they a student? (1)

Yes
No

Are they a student? (2)

Yes
No

Are they a student? (3)

Yes
No

Are they a student? (4)

Yes
No

What school do they go to? (1)

What school do they go to? (2)

What school do they go to? (3)

What school do they go to? (4)

Do they have a GPA of 3.0 or greater? (1)

Yes
No

Do they have a GPA of 3.0 or greater? (2)

Yes
No

Do they have a GPA of 3.0 or greater? (3)

Yes
No

Do they have a GPA of 3.0 or greater? (4)

Yes
No

Are they more than 150 miles from home WITHOUT a vehicles at school? (1)

Are they more than 150 miles from home WITHOUT a vehicles at school? (2)

Are they more than 150 miles from home WITHOUT a vehicles at school? (3)

Are they more than 150 miles from home WITHOUT a vehicles at school? (4)

What does driver 3 do for work?

What does driver 4 do for work?

What is the name of the company that they work for? (3)

What is the name of the company that they work for? (4)

How many miles is it one way to work?

Does this driver drive for Uber or Lyft? (1)

Yes
No

Does this driver drive for Uber or Lyft? (2)

Yes
No

Does this driver drive for Uber or Lyft? (3)

Yes
No

Does this driver drive for Uber or Lyft? (4)

Yes
No

Details? (1)

Details? (2)

Details? (3)

Details? (4)

Number of vehicles

Year make and model

Vin for vehicle 1

Vin for vehicle 2

Vin for vehicle 3

Vin for vehicle 4

Who drives this vehicle?

Approximately how many miles are driven annually? (The average is 12,000)

Any custom equipment?

Script: Because there are so many coverages on an auto insurance policy, and because every coverage is very important, the only way that we can do an accurate comparison for you with all our insurance companies is if we know which coverages that you have. How hard would it be for you to email the coverage pages to me?

Bodily injury and/or property damage (1)

Bodily injury and/or property damage (2)

Bodily injury and/or property damage (3)

Bodily injury and/or property damage (4)

Medical (1)

Medical (2)

Medical (3)

Medical (4)

Comprehensive (1)

Comprehensive (2)

Comprehensive (3)

Comprehensive (4)

Collision (1)

Collision (2)

Collision (3)

Collision (4)

Uninsured motorist (1)

Uninsured motorist (2)

Uninsured motorist (3)

Uninsured motorist (4)

UM PD (1)

UM PD (2)

UM PD (3)

UM PD (4)

Roadside (1)

Roadside (2)

Roadside (3)

Roadside (4)

Rental (1)

Rental (2)

Rental (3)

Rental (4)

Are there any other people who also have a drivers license who live in your household?

Yes
No

Who and what is their relation to you?

Do each of them have their own vehicle and auto insurance policy?

Do you own any other vehicles other than the one mentioned?

Yes
No

What are the other vehicles?

Is your name on the registration of all your vehicles?

Yes
No

Details? (who has registration?)

Are the coverages 100% accurate?

Was the customer guessing or were they reading off from a copy of their coverages.

What is the name of your current auto insurance company?

How many years have you been with them?

Have you had any lapse in coverage at all in the past 5 years?

Do you currently pay monthly or do you pay in full for your policy?

What is the price that you pay?

Auto policy effective date?

Auto policy expiration date?

Who do you want to send the document link to?*