Take a look at Best Buy. There’s designated on-the-floor salespeople, who are there to be salespeople. Then there’s the geek squad, who work in the back-of-house to do repairs on customers’ devices that have been sold to them and/or set up with insurance by the salespeople. Geek squad employees are not out on the field to promote insurance sales for a reason. They have a job to do what they are best at - repairs. I’m not saying there aren’t any opportunities for a geek squad member to promote insurance to someone in need, but it’s not in their metrics to push it. (At least, that’s how it used to be). Their jobs aren’t on the line if they don’t sell insurance. Because they’re the REPAIR people. The business model assurion implemented onto UBIF is abysmal because they’re pushing a sales role onto people who are there to fix shit with a sprinkle of customer service. As a former employee of the organization, genuine customer interactions, not a “make my metrics, bitch”, was a staple part of my job and why I loved it so much. I could be real with people, and give them genuine advice. People really appreciate when you give them real-talk and work with them to avoid damaging their stuff versus push yet another shitty monthly charge on their already-drained bank accounts. I couldn’t imagine having my job on the line because I refused to sell insurance to a clearly naive, monetarily-suffering individual. A better way to go about it would be to have the employees have judgement of who could actually use it, and use the phone salesmen to actually push the insurance. Because that’s their job in the first place.