April 10, 2018

Cheap is Not the Most Profitable

Thirty years ago, a friend picked me up for lunch in a huge Mercedes Benz car.  Having a rough idea of his income level, I asked if the car belonged to his boss?  Nope, it was his!  So naturally, I …

| By OAA Admin
view of a workspace with a laptop, notebooks, growth chart, and plant
April 03, 2018

The Future: Small Agencies, Big Insurance Companies

If you’re paying attention, at all, to what’s going on in the world, you’re hearing and reading about machine learning, artificial intelligence, and other disruptive technologies.  At insurance agent …

| By OAA Admin
SIAA flyer of a full moon on a cloudy night, with text: the sky is falling
March 01, 2018

The Sky Is Falling Part 1: By SIAA's EVP & COO Matt Masiello

The sky is falling! Or maybe it’s just our industry evolving at a more rapid pace. Insurance is one of the last industries to become consumer-centric. Big change is coming, but I’m sorry to tell the …

| By OAA Admin
January 09, 2018


While traveling in one of the world’s most beautiful cities, I saw several people camping in doorsteps, trying to stay warm in freezing cold weather.  I did not realize it at the time but the same …

| By OAA Admin
image of a soldier walking along a path
January 02, 2018

What About Insurance Companies?

In 1938 the world was plunged into a war from which many countries did not survive.  Virtually all were changed forever.  In May 1940 the French stood confidently behind the Maginot Line knowing …

| By OAA Admin
December 11, 2017

Is There a Future for Insurance Service People?

The insurance agency has people who sell policies, and those who service customers.  The latter, called CSRs or CSAs, are the backbone of the business. As we know them, CSRs or CSAs are dead men and …

| By OAA Admin
man and woman shake hands over a table with coffee mugs in front of them
December 06, 2017

What Can We Do About It?

Last time, I wrote about two facts that call into question the continuing value of insurance agents in the sale of insurance.  One impacts their utility for carriers and the other customer.

| By OAA Admin
October 30, 2017

An Agent for the Future

In my last blog, I quoted Jeff Bezos, CEO of Amazon, regarding the future. Taking a cue from him, I expressed great optimism in the future of the insurance agency business! And I’m putting my …

| By OAA Admin
September 13, 2017


One of the things that always provides amusement, for older people, is to hear children plan to do something difficult and complicated.  Their plans are always simple and underestimate the difficulty …

| By OAA Admin
August 15, 2017

Internal Controls

A few years ago someone close to me was having a lot of issues with a problematic employee.  This employee had gotten really difficult to deal with and become really unpleasant.  My friend resolved …

| By OAA Admin