Services

Product Design

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A specialty of the house. We hold significant experience designing insurance products for personal lines, most of which involves things on wheels. We have designed profitable programs for:

  • Personal automobile
  • Small commercial auto
  • Motorcycles
  • Recreational Vehicles (RVs)

Retention

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Is your new business machine just a leaky bucket? We’ll show you how powerful Policy Retention is to your bottom-line, and share our proven techniques to maximize your lifetime customer value. Whether you want to cull out high-LR risks, or ensure your best customers stick around, you will find a solution with iji analytics.

Product Strategy

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For leaders who want to expand the reach of their personal auto product along the underwriting spectrum, iji brings expertise from non-standard to ultra-preferred.

For leaders ready to try alternate marketing channels, iji has valuable experience with independent agents, captive agents, direct mail, worksite marketing, and online delivery.

PM / AM

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You’ve built your PM staff, perhaps partly acquired from elsewhere or inherited when you arrived in the role. Do you know what you have? If your company uses the PM approach, you know how crucial it is to have the RIGHT people in those roles.

Analytics

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Someone once quipped, “insurance isn’t rocket science. It’s much more complicated.” And it’s getting more complicated every day. Can your company keep pace with the advanced analytical tools being deployed by the big guys? Optimized pricing, elasticity, lifetime value and the like will quickly become the norms for large carriers. If you’re a smaller company or a regional, how do you find the analytical talent needed to stay current? And even if you can find the talent, can you retain them or afford them?

Comp Rater

If you offer a comparative rater with real-time quotes, you are sitting on a gold mine of data. Do you know how to pull out the gems in your data? With iji, we can help you find the right information, package it into a value-added service, and then connect you with the decision makers who are looking for those gems.

Agent Quality

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Do you know which of your agents will be profitable this year? While you can always look backward to prior year Loss Ratios, that is not always the best predictor of future Loss Ratios, especially given the low credibility typically found in agent-by-agent results. We’ll show you how to mine your agent data to find the gems and the duds, before the loss ratio problems arise.

Reinsurance

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For companies using or needing reinsurance protection, iji can help you prepare for contract reviews or proposals. You could save huge dollars by putting your company in its best and fairest light. We can prepare mix analyses, project your loss position, and review your agent quality or product sophistication.

State Expansion

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Are you ready to expand to new states? You’ve been very successful in one or a few states, but how do you replicate that success in new areas? Especially since every state is just a little bit (or hugely) different, with varying regulations and even different competitors.

Fill-in PM

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Do you face a hiring freeze? Are you burdened by unexpected turnover? Do you struggle to find the talent levels you desire for your Product team? What if you could fill-in those gaps with top-shelf PM talent without adding to your headcount?