Insurers face an uphill battle when it comes to finding new ways to engage the customer. By line of business, those challenges are unique: P&C carriers face enormous competition on brand, price and recidivism; life carriers are cursed with product particulars, which often relate only to one-off or “low engagement” opportunities.
Health insurers struggle on a variety of fronts, facing the more obvious issues of regulatory compliance and the less obvious ones, such as true customer segmentation intelligence. Consider that information such as demographics (i.e. age, life stage) and point of sale (direct, employer sponsored) don’t necessarily offer insights that enable them to engage and retain new business.
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