Aline Walch

"If we can't cut $280 from your next insurance bill, we'll give you this desktop calculator," reads the back of the outer envelope for The Hartford's AARP Auto Insurance Program mailing. This challenge to AARP members has been leading the program's direct mail efforts for at least five years, according to George Thacker, The Hartford's senior vice president, personal lines marketing. While the company doesn't release response rates, as there are too many variables in industry comparison, says Thacker, "The response rate we experience in our program is meaningfully higher than the response rates talked about in outside reports in significant

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