Several years ago, our financial advisor and good friend began talking to us about retirement planning, college savings for our infant daughter, and the importance of life insurance. He said, “It’s not cheap, but you need to do it.” He advised us on the company to choose, began the paperwork, and told us how to continue the application process. Of course, I didn’t look forward to taking on the cost or the administrivia of applying for life insurance. “You’ll need to answer questions about your income and health and have physicals,” our friend told us. Nevertheless, there was something oddly fulfilling about applying. Life insurance isn’t a fun topic or process, but it represented a milestone in our lives. With a family, I was ready to think about someone other than myself.
The Emotional Side of Life Insurance
The woman processing our application was perfectly nice and professional. Some of the questions she asked caused some anxiety and made me feel defensive—those about drinking and exercise. Others, I answered proudly—no smoking, good eating. However, I wasn’t prepared for one question: “Are your parents alive or deceased?” My dad had passed away a few months earlier. I felt my renowned ability to contain my emotions start to waiver. She expressed her sympathy and asked the reason. I answered, “pancreatic cancer,” and started crying, then apologized, saying it was still recent so I hadn’t gotten used to talking about it. She was very patient, then we continued with the questions. Read More
If we are looking to improve an existing service, our blueprint has given us a pretty good overview of the component parts of the service and how these are experienced over time. If we are developing something entirely new, we may have less detail but some idea of people’s needs and what some of the key touchpoints might be. Before going further into the details and committing significant resources to the project, we need to develop the service proposition. Read More
Each of the states in the U.S. has a Department of Motor Vehicles (DMV) that is responsible for handling diverse citizen needs such as personal identity cards, driving permits and licenses, and registrations for vehicles such as cars, trucks, motorcycles, and boats—both commercial and personal. One of the most common interactions between people and their government is with their DMV. Everyone has to interact with the DMV at some point in his life and, more than likely, these interactions occur annually—whether for registration renewals or violations, if you drive like me.
What’s notable about the DMV is that people across the U.S. think it’s one of the most miserable customer experiences they’ve encountered. When you tell someone, “I have to go to the DMV,” the response is universally, “Oh, long groan, I’m so sorry…” and an empathetic pat on your shoulder. Few things cause a citizen more angst than preparing for a visit to the DMV. No matter how sure you are that you have got the right paperwork, have followed the right process, and have brought the right means of payment, you always have this nagging feeling that something will go wrong. While you might think that adding the human element to the experience—DMV employees—would conjure up a feeling of relief, the opposite is actually the case. You’d likely approach an employee of the DMV in much the same way Dorothy approaches the scary Wizard of Oz—with timidity, apologizing all the while, and being prepared to be yelled at. Read More