2007 How Did We Do…

2007 2007 How Did We Do…How Did We Do…

2007 New Premium2007 New Premium

NW P&C: $7,503,176

➡Personal Lines:$6,432,54

5

➡Commercial Lines:$1,070,63

1Brokered: $2,120,344

Flood: $463,505Life: $292,617Financial: $2,528,202Pensions: $968,022

TOTAL NEW PREMIUM:$13,875,73

9

2007 Total DWP2007 Total DWP

ActualNW P&C Premium: $29,681,424Brokered Premium:

$4,153,349

Flood Premium: $1,175,448Life Premium: $292,617Financial Premium:

$2,528,202

Pensions: $968,022TOTAL DWP: $38,775,028

2007 Assets Under 2007 Assets Under MGMTMGMT

$17,500,000

2007 Loss Ratio2007 Loss Ratio47.1%

$15,750,000 – profit sent to Columbus

$55,000,000 – profit sent to Columbus since 2002

2007 Growth2007 Growth

2006 DWP 2007 DWP GROWTH

NW P&C Premium:

$21,457,148

$29,681,42438.32

%Brokered Premium:

$3,448,566 $4,153,34920.43

%Financial Premium:

$1,639,896 $2,528,20254.17

%

Pensions: $324,298 $968,022198.5

%

Flood Premium: $837,340 $1,175,44840.78

%Life Premium: $101,226 $292,617 189%

TOTAL DWP:$27,898,47

4$38,775,028

38.97%

What Great People Can Do What Great People Can Do TogetherTogether

2008 Plan2008 Plan

2008 New Premium2008 New Premium

NW P&C:$11,866,99

1➡Personal Lines: $10,324,475➡Commercial Lines: $1,542,516

Brokered: $1,550,779Flood: $1,075,608Life: $264,509Financial: $2,400,000Pensions: $1,500,000

TOTAL NEW PREMIUM:$18,657,88

7

2008 Total Premium2008 Total Premium

NW P&C:$36,581,57

3Brokered: $4,641,096Flood: $1,960,194Life: $264,509Financial: $2,400,000Pensions: $1,500,000

TOTAL PREMIUM:$47,347,37

222% Growth22 Million Pesos in Assets Under

Management

2008 Total Premium2008 Total Premium

NW P&C:$36,581,57

3Brokered: $4,641,096Flood: $1,960,194Life: $264,509Financial: $2,400,000Pensions: $1,500,000

TOTAL PREMIUM:$47,347,37

222% Growth22 Million Dollars in Assets Under

Management

It’s Just One Mistake Right?

• 1 Remittance Math Error1 Remittance Math Error

• On 26 ReportsOn 26 Reports

• Over 20 Days Over 20 Days

• Throughout 12 MonthsThroughout 12 Months

• Equals 6240 MistakesEquals 6240 Mistakes

Escalation Curve

0

7500

15000

22500

30000

1993

1998

2000

2005

2008

2010

2015

Mistakes can Destroy a Business


• 1 File Error1 File Error

• On 5 FilesOn 5 Files

• At 26 OfficesAt 26 Offices

• Over 52 Weeks Over 52 Weeks

• Equals 6760 Missing PapersEquals 6760 Missing Papers

Escalation Curve

0

7500

15000

22500

30000

1993

1998

2000

2005

2008

2010

2015



• 1 Unanswered Underwriting E-mail1 Unanswered Underwriting E-mail

• On 250 Policies Per Week On 250 Policies Per Week

• Over 52 Weeks Over 52 Weeks

• Equals 13,000 Equals 13,000

•Potential RejectionsPotential Rejections

Escalation Curve

0

37500

75000

112500

150000



• 1 Wrong Phone Number1 Wrong Phone Number

• On 88 Employees Contacts per day On 88 Employees Contacts per day

• Over 261 Working Days Over 261 Working Days

• Equals 22,968 Wrong NumbersEquals 22,968 Wrong Numbers

Escalation Curve

0

37500

75000

112500

150000


Escalation Curves• What Do They Tell Us?

• Do You Really See What’s Happening?

• Does This Information Disturb you?

• Do You See Why We Have To Take Action Now?

• Do You See Why the Theme for 2008 is Passage to Perfection?

• If You Look At This In An Objective State of Mind, Take All The Emotion Away, All Of Our Accolades And All Of Our Success, Your Answer Still Has To Be Yes.

Reality Says• We Must Take The Passage to Perfection

What is the Passage to Perfection

??

Passage to PerfectionPassage to Perfection







Passage • Passage - pas·sage • Pronunciation:

–\ˈpa-sij\ • Function:

–noun • Date:

•13th century • a: the action or process of passing from one place, condition, or stage to another.

Perfection• Perfection - per·fec·tion • Pronunciation:

– \pər-ˈfek-shən\ • Function:

– noun • Etymology:

•Middle English perfeccioun, from Anglo-French perfection, from Latin perfection-, perfectio, from perficere

• Date: •13th century

• 1: the quality or state of being perfect: as a: freedom from fault or defect : flawlessness , an unsurpassable degree of accuracy or excellence, the act or process of perfecting

Passage to Perfection

• A continuous willingness to embrace the process of passing from your current condition, or stage to a state of being free from fault or defect with an unsurpassable degree of accuracy and excellence.

Attitude

Excellence

Accuracy

Is Perfection Possible?• You’ve heard them all!

• Perfection is Impossible.

• Better a diamond with a flaw than a pebble without. ~Confucius

• Have no fear of perfection - you'll never reach it. ~Salvador Dali

• Striving for excellence motivates you; striving for perfection is demoralizing. ~Harriet Braiker

Perfection is Possible

• Subjective:

• Most people look at perfection in a subjective state of mind, which means that they are using their personal views past experience and background to measure perfection. Through these eyes there is never a perfect person, painting, movie, book, etc.

•


• Objective

• If you view perfection from an objective state of mind, you are looking at facts or conditions as perceived without distortion by personal feelings, prejudices, or interpretations, then perfection is possible.

•


Perfect CirclePerfect Circle


Perfect TrianglePerfect Triangle


Perfect SquarePerfect Square

Perfection is PossiblePerfect Score

10

100

300

Perfection is PossiblePerfect Season

1972 Dolphins17 - 0 - 0


Perfect Attendance

Perfection is PossiblePerfect Process


Perfect Remittance


Perfect Quote


Perfect File


Perfect Greeting


Perfect Goodbye

Perfect Change Request


Perfect Contact Notes


Perfect Warning Call


Perfect PSE


Perfect Underwriting


Escalation Curve

0

7500

15000

22500

30000

1993

1998

2000

2005

2008

2010

2015


What do they tell us?

Perfection is:

Mission Critical

How do you achieve Perfection?

Attitude

Excellence

Accuracy

Through the Rites of Passage

Rites of Passage

Attitude

Excellence

Accuracy

Your state of mind or feeling

AttitudeTo Begin Through the Passage

• How You Act

• How You Behave

• Driven By

• Internal

• Perception of value

• Perception of worth

• External

• Appreciation

• Recognition

• Positive Attitude Drives Accuracy

Attitude

Excellence

Accuracy

Your Precision and Exactness

Rites of Passage

AccuracyThe First Steps Down The

Passage• Follow Process!• Care About Work Product• Understand Role

• Self• Work Process

• Willingness to:• Learn• Improve• Grow

• Accuracy Drives Excellence

Attitude

Excellence

Accuracy

Your state of quality and condition of excelling

Rites of Passage

ExcellencePropels you on the Journey

to Perfection•Understand What You Do•Understand Why You Do It•Learn From Mistakes•Learn From Others•Continuously Improve Processes•Practice•Never Settle•Persevere•Know What You Do Matters•Excellence Drives a Positive Attitude

The Passage to Perfection

Attitude

Excellence

Accuracy

Is a Never Ending Cycle

OUR ROLE IN THE PASSAGE TO PERFECTION

• Own your attitude and the attitude of your office• Hire for skills and attitude• Have processes documented• Embrace change• Train people to know what to do and why they do

it• Solicit input for process improvement• Measure and monitor results• Recognize excellence, recognize perfection• Celebrate both excellence and performance• Constantly invest in the drivers of attitude,

accuracy, and excellence

• We can do this!•We can do this!!•We can do this!!!

Take the Passage to:• Increased Employee Moral• Better Company Relationships• Reduced Frustration• Lower Service Center Fees• Higher Revenue per Customer• Higher Retention • Reduced Work Load• Increased Sales• Increased Profit• Higher Employee Compensation • Higher Customer Satisfaction• Higher Referral Rates• Fewer Complaints

Sign thePerfection Pledge

Take the First Step Through the Passage to Perfection

Enjoy Your Stay

Documents

2007 How Did We Do…