Sarah Kim
Sarah analyzes the insurance technology market and helps agencies make informed decisions. Her articles cover platform comparisons, cloud vs on-premise, dedicated vs generic dialers, and industry trends that shape how call centers compete and grow.
Articles by Sarah Kim
SLAs at Insurance Agencies: The Promises You Make to Carriers and Lead Vendors
SLA structures around connection time, abandonment, and conversion — what carriers and lead vendors expect, what agencies should commit to.
Read the articleCalculating ROI on Call-Center Technology for Insurance Agencies
A 4-tier ROI framework for evaluating dialer, AI compliance, AI coaching, and automation investments.
Read the articlePer-Call vs Per-Minute Pricing for Insurance Agencies: When Each Wins
Telecom, dialer, and lead pricing compared on per-call vs per-minute economics — when each wins and how agency principals should evaluate.
Read the articleOverride Management at Insurance Agencies: Tracking, Reconciling, Avoiding Carrier Disputes
Most agencies under-recover overrides by 3–8% via bad reconciliation. The operational framework for managing carrier overrides at scale.
Read the articleAccelerated Death Benefits: Riders Your Insurance Agency Should Train On
ADB rider penetration is low industry-wide; the agency opportunity in training every life agent on the conversation.
Read the articleLife Underwriting Tiers: How Insurance Agencies Stack Carriers for Sub-Standard Risk
Agencies contracting 5+ life carriers place 95%+ of cases; agencies on 1–2 carriers place 50–60%. Stacking strategy.
Read the articleMortgage Protection Insurance: A Leadgen Channel for Insurance Agency Owners
MPI is term life with mortgage framing — and it has its own predictable lead channels. How agencies decide whether to add MPI as a vertical.
Read the articleConvertible Term Programs at Insurance Agencies: Building the Renewal Pipeline
Term policies reaching expiry are the highest-converting prospect pool an agency has — and almost no agencies build a system for it.
Read the articleLiving Benefits Riders: How Insurance Agencies Should Train Around Them
Chronic, critical, and terminal illness riders are the easiest cross-sell into senior books — and the most common rider an agency leaves on the table.
Read the articleTerm vs Whole Life: How Insurance Agency Owners Should Think About Product Mix
Portfolio reasoning, not per-customer reasoning. How persistency and chargeback economics drive the right agency-level term/whole mix.
Read the articleACA Navigators vs Licensed Agents: How Insurance Agencies Win the Comparison
Navigators are free and non-licensed; agencies position against them in a navigator-saturated market.
Read the articleStar Ratings and Your Agency's Portfolio: Why a 4.5-Star Carrier Outperforms a 3.0-Star One
Star Ratings drive both bonus payments and beneficiary trust; agencies that bias toward 4+ Star carriers win on persistency and complaint rate.
Read the articleHow Insurance Agencies Build a Medicare Carrier Stack: A 2026 Framework
A 5-factor scoring framework agency principals use to choose which 4–6 Medicare carriers to contract — commission grid, persistency, network breadth, AHIP burden, and co-op spend.
Read the articleTop 10 Final Expense Insurance Carriers in 2026 (Ranked by Agents)
A working agent's guide to the top FE carriers in 2026 — face amounts, underwriting class, day-1 vs graded benefit, commission ranges, and where each carrier fits in your stack.
Read the articleAI Agent vs IVR for Insurance Call Centers: What to Use (and When)
Practical comparison of AI agents vs IVR: workflow completion, handoff design, compliance guardrails, and which insurance calls fit each.
Read the articleDedicated Insurance Dialers vs Generic Contact Center Software
Why purpose-built insurance platforms outperform generic CCaaS solutions on compliance, routing, training, and total cost of ownership.
Read the articleThe Rise of AI in Insurance Sales: Hype vs Reality
Honest assessment of what AI can and cannot do for insurance sales today — separating vendor hype from real productivity gains.
Read the articleCloud Dialer vs On-Premise: Why Insurance Agencies Are Moving to the Cloud
Comparing cloud-based dialers to on-premise phone systems on cost, maintenance, scalability, remote access, and disaster recovery.
Read the articleThe State of Insurance Call Centers in 2026: Trends and Predictions
Industry analysis covering AI adoption rates, cloud migration trends, compliance technology spending, and market predictions.
Read the articleAgentTech Dialer vs Spreadsheets: Why Agencies Outgrow Excel
How agencies using spreadsheets to track leads are leaving money on the table and risking compliance violations.
Read the articleThe Future of AI in Insurance Call Centers
Discover how AI is transforming insurance call centers.
Read the articleAgentTech Dialer vs Traditional PBX
Why modern insurance agencies are ditching legacy PBX hardware.
Read the articleAgentTech Dialer vs Traditional CCaaS
Comparing purpose-built insurance dialers to generic CCaaS solutions.
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