Imagine for a moment that the late Steve Jobs had thought that the best way to succeed in the computer business was to mimic everything that IBM or Microsoft performed, to emulate them. If he had, hundreds of millions of people today would not be using iPhones and iPads.
If Steve Jobs had been in the insurance agency business, the last thing he would have been is a direct writer. The cookie-cutter, assembly-line approach to selling insurance policies would have been anathema to his philosophy of creating cutting-edge products and customer experiences that are "insanely great." In our industry, Steve Jobs would have been an independent insurance agent.