Employees have come to expect more personal communications and interactions from companies. Whether it is a recommendation of what movie to watch on their video streaming service, or a quick quote for auto insurance, employees desire products and services that are relevant to their unique needs. Companies that stick to a “one-size-fits-all” approach for communicating with their employees can be missing out on a big opportunity.

It’s hard for employees to process all the information they receive on a daily basis — so most communications wind up in the delete folder or trash. To break through, communications need to be relevant to employees’ interests, or delivered in a way that they prefer. When it comes to employee benefits, like discounts on auto insurance, there is a way to better engage employees by having your insurer align their strategy to individual employee needs. Customizing communications provides value to employees by recommending products and services that are right for them, which can lead to greater awareness of the benefits available to them.

The need for employee benefits customization is even more apparent as the demographics of the workforce is changing. Today’s workplace is comprised of multiple generations and their coverage needs and communication style preferences differ. Segmenting the audience lets you communicate with each group in a way that best connects with those particular people. And, it allows you to lead with the products and services that may be most relevant to them, which can make a significant impact in the awareness of the benefit.

For example, Baby Boomers tend to prefer more traditional forms of communications, and a higher-touch, one-to-one service model. In contrast, Millennials prefer digital forms of communications, because they value technology and the speed and efficiency that comes with it, and single Millennials are more likely to value a lower-cost, fully online service experience. For these reasons, MetLife Auto & Home® offers a broad range of products and services that are relevant to today’s diverse workforce. And, their experienced professionals collaborate with customers to recommend the right communications strategy to meet the needs of their unique workforce.

MetLife Auto & Home looks for market trends and continues to invest in their capabilities to provide customers with the products and services they want. Recently launched, MetLife Auto & Home Xcelerate® offers employees an online, binadable auto insurance quote in about 2 minutes — avoiding the traditional time-consuming process of providing driving details for everyone covered under their policy. The tool is simple, searching publicly available information and various consumer reports needed for rating, and if found, this data will automatically appear for the employee once his or her name and address are validated. Employees can then model coverages and deductibles based on their needs or current policy. They feel catered to, recognize that the initial insurance research has been done for them and, thanks to this time-saving program, become more confident in their decision-making.

Through segmentation, the insurance buying process becomes faster, easier and more convenient when employees get the offers the actually want. And segmentation does not mean employees are defined by research data. Should individuals not be interested in an initial product offer, MetLife Auto & Home will recommend other offerings that may be more aligned with their needs and preferences. The challenge is engaging employees to want to learn more.

Many employees appreciate the benefits of understanding their preferences in order to better target their needs. In fact, 80% percent of employees value benefits that are personalized for their circumstances and ages.¹

Since many insurers cover the costs, a segmented communications strategy can also help meet HR benefit objectives at no additional expense, without creating any additional administrative work for employers. As a bonus, employees who are very satisfied with their benefits are almost four times more likely to be very satisfied with their jobs.² 

To learn more about how MetLife Auto & Home is making it easier to offer auto insurance through the workplace with its latest service experience, visit: metlife.com/xceleratebusiness

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[1] http://benefittrends.metlife.com/assets/downloads/voluntary-value-summaries-2014.pdf

[2] http://benefittrends.metlife.com/assets/downloads/benefits-impact-summaries-2015.pdf

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify.