Sunday, August 28, 2011

Shut-up Stupid Sunday: Kentucky Farm Bureau

Kentucky Farm Bureau (An insurance company that specializes in small farms) revealed in their 2009 Polices manual that they hate gay people. They also support forced labor, the belief that the unborn are entitled to special privileges while saying that, “We are opposed to granting special privileges to anyone.” and they support the death penalty.

The big problem with Kentucky Farm Bureau taking these homophobic and hateful stances is the very nature of how insurance works. The fundamental rule of insurance is “The law of large numbers”. If there is a 1 out of 1,000 chance that your house will be destroyed in a year it really sucks if you're the one whose $100,000 house is destroyed. But if everyone pays $100 that year to pay for the person whose house is destroyed it's not bad.

With home and auto insurance it is easy to have enough clients that to make the law of large numbers work. With niche markets like Classic Autos, Malpractice, and Farms there isn't a large enough base to have multiple companies. That's where specialty insurance companies like Kentucky Farm Bureau come in.

If the big insurance companies, like Allstate, Progressive, and Shelter started carving up those niche markets they would fall below the large numbers and rates would skyrocket. So they refer farmers to Kentucky Farm Bureau.

Just like any other profession there are gay farmers. Since woman have been given the right to own property there are woman farmers. A lot of small farmers don't earn enough farming to live on so they have jobs off the farm.

So Kentucky Farm Bureau is discriminating against their own customers.

Kentucky Farm Bureau needs to follow the lead of the other insurance companies and recognize gay customers. The company I worked for, Allstate, treated gay couples in Kentucky the exact same way they treated unmarried couples. In states that allow gay marriage they allow agents to click the “Married” button and make life easier for the agents.

In the insurance world Allstate and State Farm are like the Bloods and the Crips, so it is tough for a former Allstate rep to say this, but if you are a farmer in Kentucky and you don't hate gay people I really recommend switching to State Farm.

State Farm has the same policy toward gay marriage as Allstate and has gone to court to fight California's ban on gay marriage where it forces insurance companies not to recognize those marriages.

So to Kentucky Farm Bureau, I say, “Shut-up Stupid, your hateful discriminating policies are targeted against your own customers. If you weren't in a niche market you wouldn't be able to stick with your agenda of hate. I hope State Farm takes advantage of this and crushes you.”

By Darrell B. Nelson author of I KILLED THE MAN THAT WASN'T THERE

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