The Distribution Landscape
Insurance reaches customers through multiple channels: independent agents, captive agents, brokers, direct-to-consumer, managing general agents (MGAs), and increasingly, digital platforms. Each channel has different economics, customer segments, and control dynamics.
Channel Performance Analysis
Compare the performance of our distribution channels:
[Channel, premium volume, policy count, loss ratio, average premium,
retention rate, commission rate, acquisition cost]
For each channel, calculate:
1. Revenue per channel (premium - commission - acquisition costs)
2. Profitability per channel (revenue - allocated losses - expenses)
3. Growth rate (year-over-year premium change)
4. Average policy size and line mix
5. Submission quality (quote-to-bind ratio)
6. Service cost (support tickets, processing complexity)
7. Customer quality (loss ratio of business from this channel)Unlock this lesson
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What you'll learn:
- Analyze distribution channel effectiveness with AI
- Design multi-channel distribution strategies for different product lines
- Build agent/broker relationship programs that drive quality submissions