McKinsey Insurance Claims Documents: Allstate Insurance's "Zero Sum" game?

This NegotiationLawBlog link is a bit dated, but contains some interesting links and information related to Allstate's infamous "McKinsey Documents." Recall that this situation arose due to McKinsey's consulting program with Allstate Insurance, whereby Allstate designed what some claim to be an unfair insurance claims handling system. Anecdotally, it's my understanding that many other insurance companies were influenced by McKinsey's insurance claims handling consulting program, either directly or indirectly. People having insurance problems with any insurance company, including Allstate and others (Liberty Mutual Insurance, State Farm Insurance, etc.). The McKinsey program did not (in my understanding) have anything to do with disability insurance claims (claims which could arise with companies like The Hartford insurance, Unum / Unum Provident, John Hancock, etc.).