LIBERTY MUTUAL STRATEGIC AND MARKETING REVIEW – TEN AREAS Drawn from the interview dossier, the six-lens strategic review, the marketing and positioning review, the three one-page summaries, and the 100-suggestion focus group record. ANALYSES BASED ON PUBLIC INFORMATION. NOTHING HERE IS INVESTMENT ADVICE. FOR NO POSITION / NO COMPENSATION / NO MNPI. How to read…
AI rewards signals Google never counted: Lemonade outdraws State Farm and Root outdraws Progressive in AI answers on a fraction of the domain rating, because what decided it wasn’t their content – it was everyone else’s.
Salary survey research & actuarial recruitment marketing · Ezra Penland Actuarial Recruitment The Client Ezra Penland Actuarial Recruitment, a national actuarial search firm. Before I was the founder and business strategist behind 1000 Startups, I was a founder and partner there, and the salary surveys were mine – built them, ran them, defended them at…
Insurance grew up around a book that renews whether anybody calls or not, so the whole industry is built around keeping it. Everyone else staffs the renewal with nobody. 1. Costco makes its money on the renewal, not the sale. Membership fee income has for years accounted for a sum broadly comparable to Costco’s entire…
Marketers compute LTV by dividing one by the churn rate. Actuaries have spent a century learning why that number is a work of fiction. 1. One divided by churn is not a lifetime. It is a lifetime only if churn is constant forever, which it never is. Early customers leave fast, survivors leave slowly, and…
Marketing & business strategy engagement · small insurance advisory services practice (anonymized at the client’s request) The Client An insurance advisory practice in a licensed, credential-gated field, two years old. Forty combined years at name-brand employers, signatures carrying personal liability, a hard-deadline busy season, and profit from the first invoice. Almost nobody knew it existed.…
Why the person who explains it out-earns the person who knows it Every industry has a word it says fifty times a day and has never once defined out loud. Ours is “social inflation.” Here is how to hand it to somebody who does not sell insurance for a living, and why that skill is…