Introduction to Online Distribution Conference by Alan Ryder
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The document discusses the trend of declining life insurance sales to the middle market in North America and the opportunity for online distribution to address this issue. It notes that younger buyers prefer online buying and self-service, while traditional distribution systems have become ineffective. It also outlines some of the challenges of attracting prospects, selling life insurance online, and integrating the sales and underwriting processes to allow for point-of-sale underwriting through an online system. The document proposes that online distribution can increase accessibility of life insurance in a cost-effective, scalable manner by replacing high variable costs with modest fixed costs.
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The document discusses the potential for online sales of personal life insurance policies within the next 5 years. It notes that digital disruption has changed customer expectations and behavior in other industries. Research suggests customers are open to purchasing life insurance online and find the traditional agent-based model inconvenient. The document examines approaches taken by online insurers in other markets and whether a similar model could work in North America. It proposes an online life insurance offering with streamlined quoting, application and underwriting processes to provide faster, more affordable coverage directly to customers.
Global Innovation - Distribution lesson from overseas
There is an estimated unmet need for $1 Trillion additional life insurance in Canada. Small evolutionary changes in our market are unlikely to materially reduce this gap.
What can we learn from overseas?
ASNA 2015 - Innovation
It is clear that calling on customers one at a time is not working, as there is an estimated unmet need for $1T additional life insurance in Canada, and $20T in the US. The average age of an insurance advisor is 57 and it takes a shocking average of 47 days to issue life insurance. Kevin Pledge has disrupted the status quo in the companies that he worked for and has founded several companies providing innovative solutions. His latest venture aims to make life insurance accessible to the middle market. This session will discusses what innovation is and how insurance in North America can be transformed by selling online.
SOA Annual Meeting 2014 - Entrepreneurial Start Ups
Chris Samuel's presentation from the 2014 SOA Annual Meeting on how Beagle Street disrupted the UK market by selling life insurance online.
SOA Annual Meeting 2014 - EU Gender Neutral Pricing
This entertaining presentation by Chris Samuel on the European Union gender pricing, originally presented at the 2014 SOA Annual Meeting, provides background on the why gender neutral pricing was adopted, the industry response and raises questions about what might come next.
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2015 SOA Annual Meeting - Beagle Street and Teachers Life
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Introduction to Online Distribution Conference by Alan Ryder
- 1. Online Distribution Alan Ryder September 11, 2017
- 2. Declining insurance ownership • A strong secular trend of fewer sales. • Older age sales for larger amounts prop up the top line The ‘middle market’ in North America has become increasingly orphaned. • Economics have made conventional distribution systems ineffective. • Younger buyers prefer online buying and self service. • This issue is top of mind with most life insurers in North America. • This is a market disruption and alternative markets can emerge. September 11, 2017 Online Distribution 2 The Problem: The Underserved Middle Market
- 3. Increases the accessibility of life insurance • Self serve, adapting to the new economy • Cost effective and highly scalable • Replaces high variable costs with modest fixed costs Issues to overcome • How do we attract prospects and sell online? • Life insurance has historically been viewed as ‘sold rather than bought’. • How do we deliver point of sale underwriting and issue? • Point of sale underwriting involves a material re-engineering of the underwriting process and requirements. • This is not just ‘automated underwriting’ but an integration of the sales and underwriting processes. September 11, 2017 Online Distribution 3 The Solution: Online Distribution
- 4. September 11, 2017 Online Distribution 4 2017 Online Distribution Symposium