Marty Ellingsworth | December 23, 2020
“Finding Grandmas” is my end of 2020 blog. It is unlike my blogs on getting to the cloud, or the gelato trilogy blogs of how you do it, who is doing it, and what can be done with it.
The Grandmas blog is about business ethics on who you are taking with you to the cloud and in what order. Certainly not every customer is equally ready to be digital, distanced, or observed, but who you intentionally ask first is your choice, as is who you ask last. Does having data have responsibility?
I tell this story through a historical analogy: mirroring the technology and occupational changes across my last 50 years compared to a similar yet perhaps more profound set of changes over the last 50 weeks. Know in advance, my grandmother raised me, and I have a soft spot for widows. Especially widows of veterans (though I was the first to serve in my family tree).
Have empathy for our neighbors, mothers, and their mothers, and the widows of great generations of veterans.
Have empathy for our gentleman friend widowers, and singles, couples, or family member mixes, and households of every combination, be they multi-generational family trees, non-traditional families, new immigration start-ups, or orphans at any age when they find themselves with no surviving family.
And generally, caregivers across the board, of any gender. It should not just be a pandemic holiday thought, but I would regret not making a moment here, lest we forget the unobserved, the data-less, the unmeasured, and at the same time, the unnamed long tenured who make up the bulk of many books of business. Today more than any day - where being distanced and less mobile may be a thriving constant for many of us.
I have a lifetime of experience making observations and can affirm that much of our most important data is missing in plain sight.
As a small-town paperboy many years ago (before many of my readers were born), my daily paper route introduced me to households and businesses of every kind. You never know who wants to stay connected, but back then a newspaper subscription was one key observational data point.
I was the personalized and preference-based mobility linking function making bespoke home deliveries, by bike or on foot, of timely and semi-perishable, pre-ordered goods across an active ecosystem (my small town). Every customer had a spot where they expected their paper to be in any weather circumstance at typical time windows on weekdays and weekends. Lots of opportunities existed for delight or disappointment. Missing or late papers were not common. Quiet customers were good customers, until tip time.
Grey-scale televisions (aka black and white broadcast cathode ray tube receiver boxes), some with rooftop adjustable metal antenna, were becoming commonplace and hardwired phones with shareable party lines and expensive long-distance calls were in most dwellings and businesses (except perhaps farms and some small businesses). Inconceivable for millennials and Gens X to Z, but you can imagine the utility of a newspaper in this historical setting.
In my community, there was no personalized mail delivery – you had a box for a fee at the community post office or went as "will call" there during the short hours when they were staffed.
The only air traffic was Dover Air Force Base – the largest morgue of the Vietnam War – whose flightpath noise cancelled conversations as the C-5 Galaxy fleet blared overhead, and whose noise footprint would be heard differentially as telephone callers took turns letting it pass their side of a conversation.
As a non-employee independent agent of both daily papers in the area, I had monopolistic distribution and full location intelligence at every doorstep – none, State News, Journal, or both. (Small-town Delaware today is much the same as when I left it decades ago: "Hi Joe” ;-) )
As an independent operator in the pre-Internet gig economy, I could observe cooperative community data like car ownership, number of vehicles, age of vehicles, number of occupants, age of occupants, number of drivers, number of retirees, home ownership, type of dwelling, size of dwelling, size of property, occupancy, occupation, kind, quality, and condition of vehicles, dwelling, and properties, along with the same data for every property and asset visible in the area. Same for dogs and cats. Same for business foot traffic, sales activity, onsite employee headcount, and inventory. Lots of other things were obvious, too, but had nothing to do with my paper route business.
And for subscribing customers, I could give you a good idea of the interior conditions and contents for most customer buildings (consumers and businesses), since many would invite me inside on rainy, snowy, and blustery days – especially as they scurried around the house/office looking for loose change on collection day. In many of those moments, conversation would drift into memories of family members past, present, and on the way, and inevitably the goings on of the day. Life events and the weather were always topical fare. Sounds a little like other agent-based businesses.
Ten cents a day and 25 on Sundays, separately or with a bundled discount, made me carry a coin changer on my route, but the convenience of the customer and the friction of billing was an experience best done inside the door during snowy, windy, and icy conditions. No one had air conditioning, so on hot days they would usually come outside if they had shade near the door. The "last inch" of distribution, and billing, and collection was a linking function between content, customer, and context, but in some cases lacked convenience for sure and opened avenues of friction and time dependencies for interacting. Also, sounds a little like other agent-based businesses.
These days, that "last inch" has been broadly commoditized, automated, disintermediated, or completely disrupted for most paperboys, yet the manual and analog legacy of people-tasks remains. Bundles of papers don’t get dropped at dawn on many paper carrier doorways anymore, but the lessons of using observational data to understand households and businesses across a community stand the test of time. Sounds a lot like personal lines and small business insurance.
Remote data capture, unstructured data algorithms, and computer vision assisted image analytics can plot my old route and re-create my impressions of yards, cars, and buildings. The pendulum swing of people going out to having things delivered was unexpected at the scale experienced this year, but there is little expectation that folks just want things to be harder than easier going forward. And paying for what you ask for versus subscribing to what is available is a customer "asked and answered" end point. Again, sounds a little like other agent-based businesses.
As we all work to modernize, digitize, and personalize, be ready for a blinding flash of the obvious, yet uncomfortable ethics-grounded reality – the responsible use of data, AI, analytics, and new, observational data may require thoughtful consideration for both the observed and the unobserved alike.
For example, as more customers adopt usage-based observational data risk measurement programs, how will non-adopters be treated and how will other uses of data from adopters get adapted, with or without tangible consent? Would we not market a usage-based product to a high-fixed-rate, long-tenured, claim-free, stay-at-home, low-driving consumer if we knew we would cannibalize our own book? We would certainly try to attract them as new business from competitors.
Bundles of car and home insurance may seem to neglect the safer home right now as occupancy is at an all-time high for the stay-at-home, work-at-home, unemployed-at-home, and care-giver-at-home. It may also ignore that the base case rating algorithms for auto insurance bake in 10,000 miles a year or more as the fixed rate of consumable risk assumed, even as miles driven remain mostly lower now after a cliff-dive earlier this year. An across-the-board community rate cut dismisses unobserved differences, as will rate increases as they reappear. That does not mean these are unobservable.
The game changer of connected mobile phone observable data will help to quantify both sides of the consumption curve simultaneously and at scale for the first time ever. When mobility-as-a-service meets non-driven-car-as-a-yard-sculpture during an economy-busting pandemic, the result is a lot of insurance customers asking for better value.
Either as the accumulated tracing of a trip/route-based mileage counter, or as a submitted odometer photo, monthly miles can now be billed directly and paid directly by mobile. With more observational data than just miles, even "how/when/where you drove" quality assessments can help improve over the "old way" of risk assessment, rating, service, billing, renewal, and payment.
Connected homes/offices/worksites and cars are coming along, too. This new decade, launched and lurching forward during the COVID-laden 2020, will be known as the years of customer connectivity transparency – how they decide to be visible, or not, will be instructive. How we decide to see them will be how we are judged.
It feels like the last ten months of digital adoption pales in comparison to the decades of progress since I left my days as a paperboy and stopped using vinyl records and eight-track tapes. Yet we are just beginning to have, see, know, and use digital data assets at scale on a personalized customer-centric basis.
Our old, manual, analog, and uncollected or unobserved unstructured data is just beginning to be unlocked. No one wants to go back to old television, and we keep finding new ways to get more connected in more ways, even if we may feel more isolated at the same time (Zoom Gloom).
AI-enabled and digital end-to-end ways of working are eliminating all sorts of people-tasks by creating a "mobile first" ecosystem of edge-to-edge event detection, data curation, service consumption, order fulfilment, and digital payment presentment and transaction execution. Some jobs will never be the same again, while others will be gone and forgotten – like a paperboy.
When we acknowledge many people are driving more now, the obvious insight that many don’t drive at all now is a factor of the observed-unobserved who may be abandoned to non-digital channels and non-connected, non-customer-centric contexts. When the blue dot representing the location of a mobile phone never leaves the home, but is always actively moving around the home, it is likely that their miles driven were zero. Should/would we feel fully comfortable about billing that individual for a full rate? Or suppressing them from a marketing list of a usage-based program?
We should be careful to avoid the pratfalls of consumer credit where successful households see scores drop when they stop needing to use revolving credit even with a lifetime of quality trended data up until then. Using less miles, like not needing more revolving debt, happens with an expected trajectory across a consumer life journey. And it happens with dramatic effect in the throes of a pandemic and horrendous recession. And if you use marital status in rating, a new COVID widow likely gets a rate increase for that, too. Combine that with a multiple car household.
Just because there are less "insurable interests" at a household does not diminish a lifetime of being a good neighbor. As we all become more digitally adept, perhaps all the “Grandmas” in our lives and communities should be encouraged to get more connected, stay more connected, and use that new level of connectedness to both shop around and share their insights with their families, friends, neighbors, and communities. For any bad Grandmas, observational data can help make them safer.
Entire family trees might start to influence their roots from the newest digitally capable leaves on their branches, while similarly, the most mature and strongest digital "old oaks" share knowledge of safety, prevention, and value created with observational data programs of risk.
The newest connected phone/car/home/business observable data risk programs are just coming to market but are already finding support from a personalized approach household-by-household. These new methods of risk assessment and pricing using observational data are changing the art of the possible in both insurance product design and delivery. Pay it forward in 2021 and pay yourself first.
Shop and switch to something different than a one-size fits all time-based policy (unless that does fit you best). Switching has never been easier. Switch until you find a fit, and then keep looking, since things are changing fast in the market.
Then tell your own “Grandma” (if they don’t tell you first). Even an extra fifty dollars a month would be a meaningful change for most of the customers on my old paper route.
Embrace the hope of the vaccinations and plan for vacations.
- Prince Charles, Lloyd's Launch Sustainability Insurance Task Force
- UFCIC Becomes First U.S. Insurer to Accept Cryptocurrency for Premium Payments
- Electronic Chat with Ty Harris, Co-Founder, Openly Insurance
- The Insurance Industry’s Reliance on Friction: A Good Strategy?
- Loss Control, Premium Audit Systems Critical to Customer Experience, Celent Finds
- What's AI-Right and AI-Wrong?
- The Drive for Digital
- Electronic Chat with Candice Smith, Founder and CEO, Caregiven
- Electronic Chat with Nestor Hugo Solari, Founder/CEO, Sigo
- The Giant Hole in Actuarial Models
- Electronic Chat with Trent Cooksley, COO and Co-Founder, Cowbell Cyber
- The ITA Pro March/April 2021 issue is here!
- Purchasing and Innovation: Friends or Enemies?
- COVID Drives More Reliance on Risk Management Systems, New Study Finds
- Electronic Chat with Robert Clark, CEO, Cloverleaf Analytics
- Solving Customer Communications Challenges with Hybrid Mail
- Six Trends Shaping Digital Insurance Tech Strategies in 2021
- Billing a Key Component of Customer Service, Celent Finds
- Why Data Science Fails
- Electronic Chat with Andrew Jernigan, CEO, and Allen Koski, President and Chief Innovation Officer, Insured Nomads
- Electronic Chat with Allison Martin, CEO and Founder, UDoTest
- Are Carriers Ready for the Coming Crash?
- Electronic Chat with Christopher Moore, Director for North American Sales Engineering and Solutions, Trifacta
- Next Insurance Partners with Amazon Business Prime to Provide Small Businesses with Affordable Digital Insurance Options
- An AI Walks Into an Electronics Store...
- InsurTech NY Announces Global Early-Stage Competition Winners
- World’s Worst County/Western Insurtech Song
- Electronic Chat with Anne-Laure Klein, COO, Akur8
- COVID-19 One Year Later: The Digital Transformation of Insurance
- Electronic Chat with Michael Kassing, CEO/CVO, insured.io
- BrokerTech Ventures Announces 2021 Cohort Class for Accelerator
- An Entirely Preventable Disaster
- Flipping the Fraud Triangle
- The January/February ITA Pro Magazine is here!
- Credit Risk, ESG, Cybersecurity Top Risk Concerns for Financial Institutions, Deloitte Finds
- Electronic Chat with Ellen Moser, Senior Client Executive, Origami Risk LLC
- The Answer to “So What?”
- Leaders Rise from a Year Like No Other!
- Electronic Chat with Jonathan Roomer, Co-Founder, YuLife
- Getting Creative to Hit COVID Curveballs Out of the Park
- Electronic Chat with Eugenio Gonzalez, Plug and Play
- New Report Projects Global Insurtech to Grow by $21 Billion During 2020-2024
- The 2020 Virtual Event Wasteland
- Insurtechs, Investors Optimistic About Post-COVID Future, New DIA/McKinsey Study Finds
- Finding Grandmas
- No Code / Low Code: The New “Shortest Route” In Insurance Delivery
- Are You Addicted to Copy-and-Paste?
- Electronic Chat with Nino Tarantino, CEO- Americas, Insurance and Mobility Solutions (IMS)
- Driving Life Insurance:Tech Alone Won’t Solve Business Problems
- Electronic Chat with Robin Roberson, Managing Director, North America, Claim Central Consolidated
- How Do You Make It Happen?
- Electronic Chat with Jason Liu, CEO, Zywave
- New Partnership Models Take Program Business to the Next Level
- New Study Finds Less than Half of Consumers Trust Insurers to Respond to Their Needs
- Electronic Chat with Andrew Mauritzen, CFO and Head of Insurance Industry, Exactuals
- You Want Us To Do WHAT For Free?
- Electronic Chat with Evgeny Aleksandrov, Co-founder and CEO, Pilotbird
- Electronic Chat with Chris Cheatham, CEO, RiskGenius
- New MIT Sloan Study Finds Few Companies Gain Big Benefits from AI
- The September/October ITA Pro magazine is here!
- “Being Right” is Just the Start of the Battle
- Electronic Chat with Amit Ranjan, Executive VP and CAO, Xceedance
- Planning for Your Business and Tech Future: Strategies, Plans and Budgets for Rapid Transformation
- Electronic Chat with Jimmy Padia, Founder and CEO, Floatbot
- Gelato with Dots and Sprinkles
- COVID-19 and the Insurtech “Junk Drawer”
- Even “Change” is Different Now. Your Strategic Planning Needs to Be Too.
- The Road Ahead for P&C Insurers: How to Understand Customers Better and Navigate the Post-COVID Insurance Market
- Electronic Chat with Jake Tamarkin, Co-founder and CEO, Everyday Life
- Strategic Planning in the “New Normal” Digital Era of Insurance – Your Next Move
- Insurer Tech Investment Priorities See Major Shift in a Post-COVID World
- Plug and Play Selects 25 Insurtech Startups for Winter Batches
- Digital Transformation – A Top Strategic Priority and New Reality
- Four Steps to Successful Migration of Insurance CCM Applications
- COVID-19 Accelerates Insurance Digitalization to Meet Customer Demand: World InsurTech Report 2020
- Electronic Chat with Greg Williams, Co-Founder, President & CEO, Acrisure
- Electronic Chat with Matt Perlman, Partner, IA Capital Group
- Insurer Digitalization: Are you a Competitor or a Laggard?
- Leaders are Leading and Creating the Future of Insurance Distribution
- 3 Things You Need to Know About No-Code
- Electronic Chat with Adam Kiefer, CEO, Talage
- Underwriting in 3D: Using Data to Adapt and Improve Life Insurance Sales
- Getting Past the "Gelato Syndrome"
- Insurers Know CX/UX is Important, but Don't Agree on Execution, Study Finds
- Electronic Chat with Steve Lekas, Branch Insurance
- How AI Can Attract Millennial Talent to the Insurance Industry
- Preventing Data Breaches
- A New Boom for Life Insurance: Shifting Away from the 250-Year-Old Policy Transaction
- Electronic Chat with Ty Harris, Founder and CEO, Openly
- A Digital Wildfire Creates a Burning Platform for Digital Insurance Business Transformation
- Digitalization, COVID-19 Spurring More IT Investment in Cybersecurity
- Electronic Chat with Michael DeGusta, CEO, ClarionDoor
- U.S. Consumers Significantly Underestimate Flood Risk, New Survey Finds
- The Future of Insurance: Opportunities in Ecosystems
- Electronic Chat with Todd Greenbaum, CEO, Input 1
- Majesco to be Acquired by Thoma Bravo
- The Evolving Role of Managing General Agencies
- Electronic Chat with Char Hu
- Electronic Chat with Allan L. Egbert, Jr.
- Electronic Chat with Christopher Tramontano and Zbigniew Gawienczuk
- Data Science is Gelato
- Insurance Innovation: Alive and Kicking
- Independent Agents Divided on Digital Experience, New Survey Finds
- Electronic Chat with Michael Jones
- Electronic Chat with Paul VanderMarck
- As Auto Insurance Premiums Shrink, Insurers Need Mobility Ecosystem, New Study Finds
- Property & Casualty Insurers Raise Digital Games as COVID-19 Elevates Customer Expectations, J.D. Power Finds
- Electronic Chat with Bobbie Shrivastav
- Meet the Board: Marissa Buckley
- Big Data and Insurtech: A Carrier Perspective
- Traditional Insurers Need Open Ecosystems, Partnerships to Remain Competitive, CapGemini Report Finds
- Electronic Chat with John C. Siegman
- 4 Ways AI is Empowering Insurers During COVID-19
- 6 Big Changes to Insurance from the COVID-19 Crisis
- Electronic Chat with Christopher Ewing
- Independent Agency Staff Morale High During COVID-19, New Survey Finds
- Electronic Chat with Brad Epker
- Tapping AI to Improve Policyholder Experience
- Electronic Chat with Manisha Bhargava
- ITA Pro Magazine, March/April 2020
- COVID-19 a Game Changer for Workers’ Comp
- Electronic Chat with Steve Comer
- COVID-19 Pandemic Forces Cancellation of ITA LIVE 2020
- Leveraging Digital Resources in the Time of COVID-19
- Electronic Chat with Robert Hartwig on COVID-19 and Insurance
- Celent Study: Most Small Businesses Still Unclear on Importance of Cyber Insurance
- The January/February 2020 ITA Pro is here!
- Deloitte: New C-Suite Roles Mean More Opportunities for Women
- Electronic Chat with Pankaj Parashar
- Electronic Chat with Tara Kelly
- Electronic Chat with Chuck Wilson
- ITA, InsNerds Collaborate to Enhance ITA LIVE 2020 Content and Coverage
- How SMBs Can Compete in Digital Ecosystems in the 2020s
- 4 Ways Insurance Can Prepare for New Data Privacy Laws
- Brewer Lane Ventures Launches and Hires Insurtech Vet Martha Notaras as Managing Partner
- 2020 GIA Cohort Launches on January 14
- The November/December 2019 ITA Pro is here!
- Electronic Chat with Joshua Snead
- Electronic Chat with Wendy Aarons-Corman
- Simplifying the Move to a Third-party Print Provider
- Take a Business-Driven Approach to Continuous Improvement for Core Systems and Processes
- Electronic Chat with Ron Glozman
- Guidewire’s Data Guru Mike Byam on How Insurers are Using Internal and Third-Party Data
- Electronic Chat with Russ Bostick
- Electronic Chat with Rock Schindler
- Electronic Chat with John Siegman
- Electronic Chat with Martin Burlingame
- Insurtech Landscape 2019: Top 5 Takeaways
- Grinnell Mutual Tackles Massive Transformation -- in Stride
- A Candid Conversation with Paul Mang
- SageSure Insurance Managers Improved Competitiveness by Consolidating Payments to a Single Digital Platform
- Digital Does Matter in Insurance-- And Insurers are Missing the Mark
- The 22nd-Century Insurer: Taking a Cloud-First IT Approach
- The September/October 2019 issue of ITA PRO magazine is now available in digital format here:
- ITA Pro Magazine May/June 2019
- Spotlight on the 2019 IASA Conference
- ValueMomentum Selects Erie as Site of Regional Development Center
- Capgemini and Majesco Become Alliance Partners
- Electronic Chat with Dr. Dan Shoham
- Electronic Chat with Todd Greenbaum
- Martha Notaras: The “Outsider” with an Amazing Inside View
- Electronic Chat with Larissa Tosch
- Martha Notaras Will Join ITA LIVE 2019 as a Keynote Speaker
- Five Things to Consider When Evaluating Your Cyber Risk
- ITA Pro Magazine, January/February 2019
- Synergy Between Insurers' IT and Analytics Teams Key to Operationalizing Insights, Says Novarica
- Major Ransomware Attack Could Hit U.S. with $89B In Economic Damages
- ITA Announces 1st of Three Keynote Speakers at ITA LIVE 2019
- Electronic Chat with Jeroen Morrenhof
- Legacy Systems Are Dead. Really? Don't Count On It.
- Now Accepting Nominations for the 2019 ITA Bridge Awards
- It's time to register for ITA LIVE!
- Registration is Now Open for ITA LIVE 2019!
- What to Expect from a Digital Experience Platform Implementation
- ITA Pro Magazine September Edition is Now Available
- It's National IT Professionals Day
- Save the Date for ITA-LIVE 2019
- OneShield Software and UrbanStat Work Together to Improve Real-Time Analytics and Risk Decision-Making
- ITA LIVE 2019 - SAVE THE DATE!
- Insurance Technology Association Announces New Editor-in-Chief
- August 2018 Edition ITA Pro Magazine is Now Available
- Enterprise Architecture in an Agile World
- Top 10 Tips for Securing Your Mobile Devices and Sensitive Client Data
- Industry Insight: 4 Global Insurance Trends in Digital, Data, Content Services and Security
- Diving Deeper into Prioritizing Your Strategic Digital investments
- Why Content Rules
- How Mass Personalization Will Open the Small Business Benefits Market
- At Year End 2017, Will Your Organization Be Protected from Cyber Risks?
- Do Insurance Bots Dream of Mitigating Risk?
- Conditioned to Respond
- Managing & Mobilizing Insurance Data in a Connected World
- Race to the Finish Line
- New Tools, New Opportunities in Claims
- ITA LIVE: Reaching Insurance Industry Crossroads
- Advice to Insurance IT Leaders: Keep Your Eye on the Ball
- New Date, Venue for ITA LIVE 2017
- Guidewire Makes Major Push to Small and Midtier Market by Acquiring ISCS
- Insurance Disruption is Happening Right Now
- Insurity Adds Strategic Investment Partner, General Atlantic
- Beyond Transformation: The Convergence of Finance, Risk, and Actuarial Functions
- The Rapid Evolution of Consumer Protection Regulation
- Talent Hunt: Finding, Attracting, Retaining Top People
- Insurers Flexing Their Distribution Models
- Technology Driving Disruption in Insurance
- Fear of ‘Next Bubble’ Challenges Life, Annuity Carriers
- Technology Allows Commercial Lines Insurers to Stand Out
- Single Sign-on Viewed as Biggest Tech Challenge for Agencies
- ISCS Observes 20th Anniversary; Scurto Predicts Major Changes Ahead
- Policyholders and Their First Impressions
- Progressive Making Progress on the UBI Front
- High and Dry: Insurers Search for Disaster Recovery Plans
- Insurers Sign The (Un)Dotted Line
- Reflections of a Retired Insurance CIO
- Mobile Device Management Just One Answer to BYOD Issue
- Lessons from GEICO and Progressive on Winning the Critical Buying Stage
- You Are a Target for a Cyber Attack
- Web-based Systems are the Next Evolution in Claims Technology
- Gaining a “Wow” Experience from Web Users
- Time to Shift from Business/IT Alignment to Business/IT Alliance
- Healthcare Insurers Changing to Consumer Model
- Organization is the Key for Selecting Software Vendors
- Analysts Expound on the Needs of the Mid-tier Insurance Market
- Finding the Cure for Obamacare’s Website
- New Software Solutions Benefit Insurers on the Inside and Outside
- Products, Market Impede Investment in Systems for Life Insurers
- Combatting Cyber Threats: Predict, Prevent, Persist
- The Future of Telematics Heads Beyond Insurance
- The Shame in Cyber Security Lapses
- Building Policy Administration Systems for the Future
- Insurers Look Into The Eyes of Their Policyholders
- It’s a New Dawn for the ITA
INSURANCE IT NEWS
- Digital Insurance Platform Honeycomb Launches with $3.3 Mil Raise
- Kin Insurance Bolsters Leadership Team
- Accenture Makes Strategic Investment in Digital Payments Company Imburse
- Integrity Adds Montalto United Insurance Agency to its Partners
- Analytics Provider Arturo Taps Strategic New Hires
- Claims Management Platform handdii Raises $3M
- Mark Cuban Joins dClimate as Investor and Strategic Advisor
- SafeAuto Improves Customer with Successful insured.io Implementation
The Email Chat is a regular feature of the ITA Pro magazine and website. We send a series of questions to an insurance IT leader in search of thought-provoking responses on important issues facing the insurance industry.
ITA LIVE 2020
ITA LIVE 2020 –SAVE THE DATE!
April 5th – 7th, 2020
The Diplomat Resort
Become a member today to receive updates – www.itapro.org/MR
BLOGS AND COLUMNS
You have surely heard it said that small businesses are the growth engine for America. Today, the phrase has a special ring to it for benefits... READ MORE
With stagnant growth and lingering low interest rates, the life insurance industry faces a challenging future... READ MORE
Finding insurance carriers willing to write commercial lines risks has always been a challenge for producers... READ MORE
As Guidewire Software prepares for the start of Connections, its 11th annual user conference that begins on Nov. 2, Brian Desmond, chief marketing... READ MORE