Issue No. 16 | July 21, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Reserve Renegotiation Case THE NUMBER: $687.7 billion Federal Reserve G.19 data puts finance company nonrevolving consumer credit outstanding at $687.7 billion in May 2026, down from a 2024 peak of $721.1 billion. Against that […]
Issue No. 15 | July 14, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Savings Gap Is Your Targeting Signal THE NUMBER: 35% Roughly 35% of U.S. homeowners have less than $1,000 saved for home repairs, according to the Federal Reserve’s Survey of Consumer Finances. Average annual home […]
Issue No. 14 | July 7, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: Cohort-Level Cancel Risk THE NUMBER: 7.52% 7.52% as of February 2026. In today’s financing environment, a $50-per-month swing in a customer’s total payment obligation can have different cancellation implications than it did when auto loan […]
Issue No. 13 | June 30, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: Inflation Confirmed THE NUMBER: 4.2% BLS CPI for May 2026 came in at 4.2% year over year, the highest reading since April 2023, with energy up 23.5% over the same period. The Federal Reserve held […]
Issue No. 12 | June 23, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Arithmetic Of CPA THE NUMBER: 3–10x House lists return 5–9% response rates. Prospect lists return 0.5–2.5%. That gap, documented in the DMA Response Rate Report, is typically a function of audience quality rather than […]
Issue No. 11 | June 16, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: Operational Discipline Is The Performance Variable THE NUMBER: 56.8 BILLION USPS delivered 56.8 billion pieces of Marketing Mail in the fiscal year 2025, per the USPS Annual Report, continuing a multi-year volume decline. What remains […]
Issue No. 10 | June 9, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Two-Problem Fallout THE NUMBER: 31-45 DAYS The typical gap between contract execution and a customer’s first scheduled payment in DTC VSC installment programs is 31 to 45 days. That window is where a contract […]
Issue No. 9 | June 2, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: Loan Term Extension and the Urgency Window THE NUMBER: 69 Months The average used vehicle loan term extended from 64 months in 2018 to 69 months in 2025, according to Experian data cited in Colonnade […]
Issue No. 7 | May 19, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Structure Behind Your Administrator’s Claims Exposure THE NUMBER: $2.9M $2.9 million is the 2026 IRC §831(b) annual premium volume threshold for small P&C company tax treatment, per IRS Rev. Proc. 2025-32, up from $2.85M […]
Issue No. 6 | May 12, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Structure Behind Your Admin’s Guarantee THE STATISTIC: B+ B+ is the AM Best financial strength rating that states generally require of Contractual Liability Insurance Policy insurers, the entity that backs many VSC, GAP, and […]
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