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Insurance companies, largely offer the same products and "differentiate" on customer service. My view is that value-added services, and pressure on price will win the day. Highlighted a few in the article, but perhaps, press a button to get free roadside assistance, talk to a mechanic 24/7, sensors in your home to mitigate risk. The premium volumes are certainly there to support greater value being transferred to the customer.

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> Insurance companies, largely offer the same products and "differentiate" on customer service.

UK market, so somewhat different. A large proportion of our insurance sales go through various comparison websites who are the new "zero value add" broker. This leads to a large number of decisions being largely price based.

I have no idea whether this transition occurred in the states?

OK. I still don't understand the reference to "ad dollars". What are "ad dollars" in this context, and how do insurance premiums look like ad dollars?

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