I recently worked with a group of managers employed by a Fortune 100 insurance provider. We spent the day on the topic of getting unstuck by learning to ask better questions. One manager in the session so dramatically transformed the question that had him stuck, it has become one of my favorite examples of the power of overhauling a poorly constructed question.
The insurance company mainly sells its products through local agents. The agents are most comfortable selling automobile insurance, but the company would like the agents to cross-sell its other insurance products (e.g. homeowners insurance, life insurance, etc.). “Cross-selling” is when a company offers an existing customer a different, but related product. When Amazon informs you that people who purchased the toothbrush you just ordered also purchased dental floss, Amazon is cross-selling.
The manager in our session that day walked in feeling stuck. He had been tasked with increasing the sales of products other than automobile insurance in California. He started the day with the question, “How do we get our agents to cross-sell our insurance products?”
Before we step through the process of “fixing” the question, let’s remind ourselves of the four criteria by which we determine whether one question is better than another. We refer to the four criteria as the Unstuck Minds Imperatives:
- Avoid solving the wrong problem
- Reduce the risk of missing something important
- Make it easier for people to take concerted action, and
- Increase the novelty of our options
Like any professional remodeling project, we have to start by understanding the existing state of disrepair. The form of the question, “How do we get our agents to cross-sell our insurance products?” is the most common form of the question I hear from organizational leaders. Essentially, the question reads as a complaint about other people who need to adopt a different behavior in order for the leader to meet an objective. Other than the topic, the question sounds a lot like a parent lamenting, “How do I get my teenage daughter to keep her bathroom clean?”
One way to begin fixing the question is to uncover needs and interests. The idea of framing a question around an insight about what people need is a tenet of Human-Centered Design. You could say that one way to fix a question is to make sure the question doesn’t presuppose fixing other people. A poorly constructed question will emerge from a strategy to alter the behavior of others in pursuit of your own needs. A better question will emerge from a strategy designed to explore shared interests
You can tell that you have identified a need or an interest if the people at the heart of your question change their attitude toward helping you answer it. I’m unlikely to get much enthusiasm from my daughter if I start a conversation with, “Let’s talk about how I can get you to keep your bathroom clean?” On the other hand, she might be happy to participate in a conversation about how to reduce the amount of nagging going on at home. You can tell immediately that the second question is an improvement because both parent and daughter would willingly take time to answer it. Similarly, the insurance company will have limited success putting on a training program called, “How to cross-sell.”
The manager considered what the company’s insurance agents care about. “The best agents” he told me, “want to be seen as community leaders.”
After more conversation and a few revisions, we came up with a different question, “How might we help our agents become their neighborhoods’ trusted, go-to resource for protecting against the costs of injury, damage, or loss?”
When it comes to the Unstuck Minds Imperatives, the remodeled question about insurance agents is clearly better. More importantly, if agents truly want to be seen as community leaders, they would be motivated to learn about becoming a “trusted go-to resource.” The question also opens the door for innovations that may have nothing to do with cross-selling insurance products.