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Viewing entries written by Karen Pauli

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Getting Under the Covers of Today’s P&C Digital Distribution Response

July 31 2018 | Karen Pauli

Today, the discussions around insurance distribution channels are in perpetual motion – everyone has an opinion as to where it’s going. But where is it today? What has changed? What hasn’t? And where are the investment dollars going? These are great questions, and most insurance professionals are interested in the answers.

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Can You Guess Who is Really Disrupting Insurance?

July 25 2018 | Karen Pauli

In a recent SMA blog, Karen Furtado, SMA partner, posed this question: “Have you ever found yourself hearing a word so frequently that it begins to lose its meaning?” (In that specific instance, the word she was referring to was “transformation.”) But, I think that everyone who reads that question...

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To Be InsurTech or Not to Be InsurTech – Is No Longer the Question

May 24 2018 | Karen Pauli

It is probably a bit presumptuous to liken the InsurTech startup movement to Hamlet’s famous “To Be or Not to Be” soliloquy. It is, after all, a well-known and historical Shakespearean reference. However, the similarity is in the questions asked, and such a question has probably been asked prior to...

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Three Ways L&A Insurers Are Smarter Than P&C Insurers

April 03 2018 | Karen Pauli

In many quarters, the above title could be fighting words! Since I can’t even watch an Olympic boxing match, much less an all-out fight, let me explain.

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Agents and Brokers are Dead: Wait - Not So Fast!

January 23 2018 | Karen Pauli

For the past several years, a significant number of individuals and new-breed companies have emphatically stated that independent agents and brokers are dead. They don’t serve the needs of today’s consumers. They are behind the times from a technology standpoint. They are difficult to deal with.

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Life Isn’t a Bowl of Cherries – It’s Customer Analytics

October 09 2017 | Karen Pauli

In 1931, Ethel Merman sang a song titled “Life Is Just a Bowl of Cherries.” The phrase “life is a bowl of cherries” carried on – meaning that life is carefree. The L&A industry certainly can’t adopt this phrase because generating profit and growth has been significantly challenging since the...

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Why Refocusing on Data and Analytics is Critical

August 31 2017 | Karen Pauli

Data and analytics is a phrase that is probably in 75% of articles and blogs written today. In fact, data and analytics is used so frequently that it almost appears to be one word – dataandanalytics.

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Telematics: A Claims Adjuster’s New BFF

May 23 2017 | Karen Pauli

Nobody can have too many BFF’s (that’s best friends forever in today’s texting-driven vernacular).  That statement goes double for claims adjusters who are frequently seen as “bad guys” because of all the difficult-to-understand complexities of the adjusting process.

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Fraud is Not a Cost of Doing Business – and Emerging Tech is Here to Prove It!

March 21 2017 | Karen Pauli

Fraud has long been a significant problem for the insurance industry – actually since the very beginning of insurance at Lloyd’s coffee house. The Coalition Against Insurance Fraud indicates that 5-10% of claims costs are related to fraud, with over 30% of insurers reporting as much as 20% of claims...

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MGA 4.0 – Why InsurTech is Changing the Game Again

February 20 2017 | Karen Pauli

The journey, over time, of the insurance Managing General Agent (MGA) is an interesting one. In their original manifestation in the late 1800s/early 1900s, MGAs were a way for east-coast insurers to get their products west, without having to commit their own resources – clearly a valuable business model.

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