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 […]
Issue No. 5 | May 5, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The AI Infrastructure Shift THE NUMBER: 13.9% That is how much auto repair and maintenance costs have risen since August 2022, per BLS, compared to 5.6% for general CPI over the same period. The average […]
Issue No. 4 | April 28, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Coverage Gap THE NUMBER: 44% Only 44% of eligible U.S. vehicles carry VSC coverage, per Colonnade Advisors’ March 2026 whitepaper. Set against approximately 296.5 million passenger vehicles on U.S. roads, roughly 70% of which […]
Issue No. 3 | April 21, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: The Affordability Handoff THE NUMBER: 27% A record 27% of underwater trade-ins now carry $10,000 or more in negative equity, per Edmunds Q4 2025. That is an all-time high. The average underwater balance sits at […]
Issue No. 2 | April 14, 2026 Intelligence for direct marketers in insurance, home services, warranty, and protection. This Week: Inflation Pressure On Demand THE NUMBER: 0.25-0.35 Mortgage rates climbed 0.25–0.35 percentage points through April 1 — pressured by inflation concerns, energy shocks, and broader market volatility following the Iran conflict. For DTC home warranty […]
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