The nirvana of insurance marketing is to acquire young consumers early and retain them throughout their lives, anticipating and meeting their coverage needs at each key life event.
For example, let's say, Joe Smith purchases an auto policy during college. A couple of years later, he changes his address. Then a few years later, he adds a driver to the policy. By tracking the data and pattern matching, the insurer could see the trajectory of maturity and pitch products accordingly.
In this scenario, the insurer could potentially cross-sell roadside assistance, then renters insurance. When John added the second driver to his policy (most likely a wife), the insurer could cross-sell life insurance, and begin to market home or condo insurance in anticipation of a purchase.
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