Business Models, Moats, & Start-ups: An Insurance Analyst Perspective

One future post I plan to write will focus on whether the insurance industry should operate like Netflix or Amazon. There is, of course, one glaring difference between the products and services of the insurance industry and either of the other two companies: insurance is NOT a commodity. This remains true regardless of the insurance… Continue reading Business Models, Moats, & Start-ups: An Insurance Analyst Perspective

From Concept to Client (and Back Again): Challenges of Insurance Product Development

This is a companion post to my January 16, 2020 post titled "Re-perceiving Kotler's product framework for insurers." I wrote: Insurance products currently do a lot of heavy lifting for insurance carriers. Insurers should expect products to do much more to strengthen competitive success. Insurance products are meant to simultaneously attract customers and generate profitable… Continue reading From Concept to Client (and Back Again): Challenges of Insurance Product Development

Re-perceiving Kotler’s product framework for insurers

Insurance products currently do a lot of heavy lifting for insurance carriers. Insurers should expect products to do much more to strengthen competitive success. Insurance products are meant to simultaneously attract customers and generate profitable premium flows throughout the product's existence on the carrier's books. Insurance products, taken as a complete portfolio, also represent a… Continue reading Re-perceiving Kotler’s product framework for insurers

My realistic expectations for the 2020 insurance industry

Summary: Visualize a meter that ranges from No Change (1)  to Total Transformation (10), I expect the actual realistic changes to the 2020 Insurance Industry meter to register somewhere between 1 and 2. Thinking about and creating the insurance industry trends for the next year was always a fun exercise whether I was at The… Continue reading My realistic expectations for the 2020 insurance industry

View of Jemez Mountains from our Santa Fe Home

I thought some folks might want to see some of the views we have of the Jemez Mountains from the backyard of our Santa Fe home. I took these pictures with my iPad 2 (5th generation), software version 13.3. I'm curious what pictures from this year's 2020 Apple iPhone 12 will look like in my… Continue reading View of Jemez Mountains from our Santa Fe Home

The ‘Adam and Eve’ of Insurance

My approach to writing analyst reports When I write analyst reports I like to create a report that flows from the general to the specific. I don't mean only insurance or technology matters but thinking through broader societal trends and then diving down into their current and potential future implications for the non-health insurance industry.… Continue reading The ‘Adam and Eve’ of Insurance

Maria Mioduszewska’s Digital Banking LinkedIn Post: Fulfilling Her Request for My Comments

Maria’s two requests of me María asked me to comment based on 1) being a banking customer (what do I want or expect from my bank) and 2) as a manager. My reply as a banking customer was too long to put on her LinkedIn post so I wrote a LinkedIn post referencing Maria’s post… Continue reading Maria Mioduszewska’s Digital Banking LinkedIn Post: Fulfilling Her Request for My Comments

Consumer Subscription – Based Streaming Services (Not So New!)

Media Streaming Services Are Hot ! Now that’s an understatement! We all know and all are experiencing the continuing ‘hotness’ of consumer media subscription-based streaming services. Netflix already has competition from Amazon Prime and HULU but got more competition when Disney + and Apple + jumped into the streaming party in November 2019 in the… Continue reading Consumer Subscription – Based Streaming Services (Not So New!)

Era of Digital Fluidity

(A short thought piece) We are entering an era of digital fluidity. An era of data in motion and more specifically, in graceful and flexible motion available to be accessed, consumed, and shared as people need on an anytime, anywhere, and any how basis. We're not there yet. But the era of digital fluidity is… Continue reading Era of Digital Fluidity