Before we get started, isn’t Informed planning to be an agent? Why would I talk down distribution valuations? Because we don’t do self serving here. We speak truth and me telling you brokers are still cheap isn’t going to stop the market from puking them someday. Don’t fight the facts. Continue Reading
Why Insuretechs Should Be Scared of the Reinsurer’s Veto
Informed Tip of the Week: Informed was designed specifically to avoid the Reinsurer’s Veto. It’s one of the many reasons we’ve chosen to start as an independent agent. Cash Burn Is So 2020 To keep with the recent theme of calling out the obvious, it’s time to talk about the Continue Reading
Ranking the Villains in the Florida Home Insurance Tragedy
It’s June 1st and you know what that means? It’s now officially hurricane season! You know what else it means? We are one day closer to the meltdown of the Florida home insurance market! Stresses are arguably the worst they have ever been. Carriers are dropping like flies and we Continue Reading
The Bitcoin Investment Thesis Is Broken
Informed Tip of the Week: Take a look at our recent series of posts covering Informed’s premise and our business model. We will be adding additional content over the next few weeks. At the beginning of the year, I wrote about most of the obvious bubbles out there and how Continue Reading
Elon Musk: Too Big To Fail?
Elon Musk never fails to surprise. No, I’m not talking about him buying Twitter. I’m talking about how he bought Twitter. He has made himself the first walking, talking LBO. What do I mean? While everyone focuses on how much debt he put on Twitter (a lot…the interest will likely Continue Reading
Insuretech Act II: The Unicorn and the Candy Corn
Informed Tip of the Week: Read yesterday’s post about how we uncovered one of the big insurers promoting inaccurate information in its TV ads. Last week, I wrote the epilogue on Insuretech, Act 1. Today, we will move on to Act 2, the Revenge of the Tortoise. No, no, that’s Continue Reading
Insuretech Act I: The Curtain Falls on the Hare
Informed Tip of the Week: If you’ve been affected by the winter weather on the east coast, be aware that just because the snow is over doesn’t mean your home isn’t still at risk. As the snow melts, ice dams and heavy snow on the roof may cause leaks. If Continue Reading
How Insuretechs Sabotage Themselves By Growing Too Fast
Today’s topic is a bit of a capstone to several prior articles regarding different choices startup insuretech carriers face. You can imagine I have spent a lot of time thinking about these issues and how to prepare for them if I am fortunate enough to eventually face these same choices. Continue Reading
Romanticism vs. Realism: Why Some Insuretech Carriers Chose The Wrong Growth Strategy
With hurricane season officially beginning this week, I thought it would be a good time to write a bit about Florida, specifically personal lines in Florida. At the same time, I thought I could share a little bit of my thinking about my plans for Florida for Informed and how Continue Reading
Insuretech Builds Castles in the Sky
Before anyone asks, “is that some new insuretech I haven’t heard of? They’re literally building giant castles and insuring them”? No, nobody is insuring giant castles (…yet). Today’s topic is unrealistic assumptions. Yes, that is often the topic when I discuss insuretech, I know. But this time it isn’t about Continue Reading