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I love games. And I bet you do too. The Pew institute says the 77% of all US households own at least one video game. When you add in card games, sports, and politics – there’s a lot of game playing happening. But we don’t usually think of games as being a legitimate activity to […]

May 12th, 2014 | Filed under Innovation, Insurance, Market Trends, Marketing

Our team spends a lot of time thinking about the role of the agent. Over the years, we have seen considerable change, particularly in the application of technology. What we have not seen change is the agent. By agent I mean the “transactional” life insurance agent. Their business is made up of selling life insurance, […]

May 8th, 2014 | Filed under Insurance, IT, Market Trends, Marketing

I bought my wife some flowers recently, and was shocked to discover that the florist—as of this minute, my ex-florist—no longer gives out those little cards you tuck in the arrangement. The person behind the counter said, “We have these new ones from Hallmark, for only 99 cents…” Huh? I’m spending $20 on cut flowers […]

May 5th, 2014 | Filed under Insurance, Marketing, Strategy

Coming off a year with record results, industry reports show that prices are starting a downward trend. That ‘hard-ish’ market was gone in a blink. With pressure on rates, carriers have to compete hard to keep their accounts and have to focus efforts on growth just to make up for the rate loss. When it […]

Apr 23rd, 2014 | Filed under Insurance, Market Trends, Marketing, Strategy

Traditionally insurers have been structured by line of business and some have grouped those around personal lines and commercial lines to differentiate businesses from people. With the opportunities of varied distribution channels and more sophisticated technologies insurers are starting to be much more granular in their view of the customers. Insurers have now the chance […]

The image of a supply chain is linear, stretching from one point to another, link-by-link, in an orderly procession. If each part does its part, success is realized. But, we all know that business does not really work like that.  Rather, activities are more random, concurrent and fluid. The case studies at the Celent innovation […]

Aug 26th, 2013 | Filed under Innovation, Insurance, Marketing, Strategy

Ever since we discovered that the internet could be more than just a document repository or shop-front, we have been investing in smart ways to engage our customers better and improve the user experience.  Self-service via a laptop, tablet or mobile device clearly has huge benefits to both the customer who now has access to […]

Dec 3rd, 2012 | Filed under Insurance, IT, Market Trends, Marketing, Strategy

I have a homeowners policy with the DoNotDisclose Insurance Company. DoNotDisclose is a large, primarily personal lines company.   My policy term ends on Oct 8 every year.  This past August, I received the dec page and invoice for the new year, and paid it in full online.  I mean, I thought I paid it […]

Oct 21st, 2012 | Filed under Insurance, Marketing

Is it just me, or are most commercials for property/casualty insurance on American television really dumb, pointless, and worst of all ineffective? I’ll assume that everyone reading this post knows something about insurance products and the process of selling those products. So take your own “Is It Just Me?” test. After you watch the next […]

Jan 9th, 2012 | Filed under Marketing

Last year we offered a Christmas Carol themed post summarising some thoughts on the past, present and future. This time around I figured I’d go for one of the end of year top ten style posts that pop up as folks take a moment to look back at the year. So here I present a […]