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ROF vs ROI: What The Financial Services Industry Can Learn From ESPN
I have no business writing about anything sports related. I may have the honor of being the least knowledgeable person in the world about football, basketball, hockey or baseball. However a recent...
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Through the Lens of Insurance Agents: A Case For Asking Consumers Directly
There’s a cool opportunity right in front of the eyes of the life insurance industry. The trouble is, their glasses are a little dirty. In a business that is so distribution focused, or in hipper...
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Financial Services Innovation AFTER Reform
As the financial services industry gets ready for reform, many are thinking about what new rules, restrictions and barriers will be in the way of innovation. There is a significant opportunity that...
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3 Bankable Innovation Opportunities Post Financial Regulatory Reform
Too small to fail; is idea agility the new competitive advantage after Financial Regulatory Reform? As Financial Regulatory Reform is signed into law, there’s “a kind of hush, all over the world”*. The...
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You Talkin’ To Me? How Gen Y Hears “Insurance.”
If you are an insurance company marketing executive wondering about how to tackle the Gen Y (or Millennial) market, trying to crack the code can be exhausting. Brace yourself. There’s something you...
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How Innovation May Have Prevented The Flight From Middle Market
Under-banked, Under-insured, or Just Under-understood? The rear view mirror is a tricky thing. You look in it, you see something, and then you talk about it. And then others will say, yea, but...
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Insurance Insights – The Involvement Factor
One of the greatest unsolved issues in the insurance and financial services industry is the business model of the future. A recent study from IBM indicates that the “trust gap” between the industry and...
View ArticleDistribution Paradigm Shifting – Consumers Are Selling To Themselves? Huh?
The earth is round, man can travel to the moon, Charlie Sheen is replaceable and insurance distribution models can be made efficient. All four have something in common…that is, some level of...
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The Future of S&P Downgrades: FYI, CYA or LOL?
I can’t resist this. In the last few days, S&P downgraded the pristine credit rating of two leading mutuals, two fraternals, one stock company and a country. What is next? Will planet Earth become...
View ArticleThe Language Of Insurance Is Turning Off Prospects
The language of insurance is turning off prospects. Especially Gen Y prospects and especially when the word “disability” is used. Did you know that, according to a 2010 study of insurance language...
View ArticleDo Insurance Companies Suffer From Boomeritis?
Here’s a crazy question: How would Wayne Gretzky run an insurance company? He would be looking at ways to crack the code in Generation Y (Millenials). And Why? Because if the insurance industry wants...
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Financial Services And Insurance Innovation: No More “Fine Print”
Have you ever seen a marketing message for either a financial or an insurance companythat has more disclosure and disclaimer information than actual content? Did you read all of that legal copy? (It’s...
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Insurance And Financial Companies Struggle To Connect With Millenials
The generational communication gap is becoming an abyss. With the proliferation of social media, texting and other technologies, young people today have all but nearly abandoned the communication...
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Life Insurance And Gen Y, Why Bother?
The Life Insurance Industry has been in distress for years over the aging field force problem—and their resulting inability to reach younger consumers. In fact, this industry has been concerned since...
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What The Insurance Industry And Others Can Learn From Ghostbusters
Disclaimer: do not read this unless you can accept ideas as mental yoga, and not as suggestions, recommendations or opinions. Bill Murray is a great innovator. Or at least he’s played one on the silver...
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Hedging Your Innovation Risks Through Proper Budget Asset Allocation
In the world of finance, asset allocation is a commonly used technique to determine where to put an individual’s money to get optimum returns. It is based upon a rigorous analysis of risk tolerance...
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