In experience curves, the trajectory of cancellations matters more than the final number. For VSC and home warranty marketers, the timing of cancellations drives profitability. Early cancels destroy cash flow—so don’t just track how many. Track when. Why do early cancellations hurt more? If you’re a VSC marketer or home warranty marketer, you know cancellations […]
When you’re scaling direct-to-consumer sales in the Vehicle Service Contract (VSC) or home warranty space, cash flow is king. You launch a $100,000 campaign. You pay your mail house and lead vendor on June 1. The mail hits mailboxes on June 10. Responses trickle in through early July. You close sales—but then wait 45 days […]
If you’re relying on cancellation curves from your payment plan provider—like PayLink, Mepco, or Walco—you’re only seeing part of the story. Those blended curves are useful for tracking total portfolio performance. But they won’t tell you why cancellations are happening. Because they don’t show you the differences that matter. The only way to do that? […]
If you’re only looking at your overall cancellation rate, you’re missing the real story. Cancellation behavior isn’t static. It shifts over time—and across different groups of contracts. That’s why you need to break it down by vintage. “A vintage is a group of contracts that started in the same period—typically a month, quarter, or. It’s […]
When preparing a company for sale, financial optics matter. For F&I administrators, few metrics carry more weight with buyers than loss ratios—and those ratios are only as accurate as the earnings curve behind them. F&I earnings curve optimization must happen before a company goes up for sale. Here’s a real-world example of how defaulting to […]
In June 2025, the U.S. housing market showed signs of quiet recalibration. Total home sales slipped slightly to 445,000 units—down just 1,000 from May. But beneath that national flatline, regional and state-level shifts reveal a more dynamic story. New home sales nudged downward, while existing home sales essentially held their ground. Inventory rose. Buyer activity […]
In June 2025, the U.S. housing market showed signs of quiet recalibration. Total home sales slipped slightly to 445,000 units—down just 1,000 from May. But beneath that national flatline, regional and state-level shifts reveal a more dynamic story. New home sales nudged downward, while existing home sales essentially held their ground. Inventory rose. Buyer activity […]
If you’re administering Vehicle Service Contracts, VSC cancellations aren’t just noise—they’re a direct hit to profitability. Refund exposure. Margin compression. Loss ratio volatility. Whether contracts are sold direct-to-consumer or through dealerships, VSC cancellations are a real and rising cost. And yet, most administrators aren’t actively tracking how, when, and where these VSC cancellations are happening. […]
If you’re selling Vehicle Service Contracts (VSCs) directly to consumers, you’re operating in a high-cancel environment. Many marketers see 40–80% of contracts cancel, and flat cancels—those within 30 days—are especially painful. They erase margin, trigger chargebacks, and undermine performance metrics. But not all VSC cancellations are created equal. Contracts that cancel later are far more […]
Home sales in May 2025 reflected a market at a crossroads—nudging upward in some areas while falling back in others. On the surface, total U.S. home sales climbed to 446,000 units, up from 414,000 in April. That 7.7% month-over-month bump sounds like momentum. But look closer, and the picture’s more complex. Behind the headline numbers […]