Customer Experience

  Customer      Product    Technology

LARRY ALKIRE
OFFICE OF THE CHAIR, CHIEF CUSTOMER OFFICER

Marketing, Employee Services & Revenue Support

2021 was a year of learning, making adjustments and flexibility. While we saw many employers open up and allow us to serve them at the worksite (with many precautions), we were able to service our employer groups and their employees through in-person, virtual video, call center and online means. We were able to meet their needs with their level of comfort and direction.

Our digital marketing presence continued to be the preferred marketing means for pre-enrollment communication in 2021. Our organization went through a PRIME program, allowing us to further align our Customer touchpoints. Our contact center (calls, email, chat), claims area and business transformation team (software quality, technology project teams, business improvement team, data team) were integrated into our Customer Experience and Revenue Support (CERS) division to create a broader and unified division. This has allowed us to have greater overall control of our Customer experience, brand and collaboration efforts.

We also focused on succession planning in 2021. Our PRIME program challenged us to put next-level leaders in high-impact positions to prepare them for assuming larger roles over the next five to ten years. With all of this planning and change, we were also able to work on the following key projects and issues.  

MARKETING

  • Created Customer journey maps for our largest and most impactful Customer touchpoints. Touchpoints allowed us to create a vision of the very best experience we can provide for our Customers.
  • Refined electronic opt-in (email, text, online) and making it easier for our Customers that choose to have a completely paperless experience.
  • Live chat implementation on our website was completed with greater technology to come.
  • Expanded development of custom benefits sites we provide for our employer Customers.
  • Expanded development of digital assetsfor our sales team and Customers while reducing our printing costs.
  • Leveraged advanced video technology to capture testimonials remotely.
  • Developed new communications and research for important employer issues related to changing benefit laws and Paid Family Medical Leave initiatives at the state and federal levels.

EMPLOYEE SERVICES

  • Implemented AFService enhancements that provide better technology for our call center and chat agents to navigate our system and have accurate information at their fingertips.
  • Selected a new call center system for 2022 implementation that will use new technology and a workforce management system to provide a much-improved experience for our Customers.
  • Reorganized our Customer Engagement teams to align our Customer experience efforts with our Customer contact center, Marketing department and field staff.
  • Increased electronic delivery of annual and quarterly statements delivery by 15%.

Revenue Support

  • Created Department of Innovation to focus on new services and new markets and to use artificial intelligence, dashboards and analytics, research, automation and robotics for all parts of American Fidelity.
  • Created new positions in R&D that focus on new business model development and incubation.
  • Created a new position dedicated to teaching Colleagues how to utilize and quickly adopt the automation tools being developed to streamline processes.
  • Continued to evolve our surveys and capture feedback from our Customers. This includes the ability to capture net promoter score (NPS) from many Customer touchpoints and have the ability to understand their needs all the way down to the account level.
  • Created a new Business Transformation area to consolidate and coordinate our enterprise data strategy, enterprise quality initiatives, software quality efforts, technology project team and business analytics.

ALEX BAGBY
OFFICE OF THE CHAIR, PRODUCT MANAGEMENT OFFICE

Product Management

Our products continued to perform well during 2021 amid a persistent pandemic and emerging economic challenges. Top line premium growth was positive on all our major product lines and improved from 2020 on several of our product lines. Loss ratios continue to remain favorable with all major product lines producing positive profit margins.

Our product development efforts were focused in three areas - Individual Accident Only, Group Disability and Group Paid Family Medical Leave (PFML). Our new Individual Accident Only product will have more benefits and an improved Customer experience. We'll roll this product out in mid-2022. Our new Group Disability product will include additional benefits and a Paid Family Leave option and will better coordinate with PFML programs.

In order to improve our strategic product direction, we created new Product Strategy areas that will be more closely aligned and working directly with business unit and sales leadership on product strategies. These areas will continue to work collaboratively with the Product Management Division to design, develop and maintain the product solutions needed to implement these strategies.  

DIANA BITTLE
OFFICE OF THE CHAIR, CHIEF INFORMATION TECHNOLOGY OFFICER

Information Technology

In IT, our mission is to provide technology to make it easy for our Customers to do business with us. This past year brought new challenges; however, our world-class IT team took it all in stride. We, along with the technology industry as a whole, faced increasing cyber threats, labor shortages, supply chain issues and so much more. Our committed IT teams rose to every challenge, as they always do, and accomplished numerous achievements to make improvements for our Customers and set the stage for further innovations.

2021 Accomplishments
In 2021, our technology and automations helped us launch new products, modernize our Hospital Indemnity and Cancer claims adjudication process and add physician expenses to our AFQuickClaims system. We rolled out additional self-service options both internally and externally to make it easier to get the information needed. This past year we continued making improvements to our policy administration and workflow system, as well as redesigned how policy documents are created, allowing us to retire older systems. IT hosted a Graph Database Summit with the business to increase understanding of new technology, what the benefits are and to develop a list of AF use cases for new technology.

    2022 Goals
    For 2022, we are focused on continuing to improve our Customer experience through technology. Our plans include additional automations to allow for even more self-service options for Customers and Colleagues, improving data quality and availability, strengthening our cyber security capabilities and streamlining the sales and buying experience.

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