Category: Thought Leadership

Advisor succession planning is not just an advisor’s challenge—it’s an industry imperative. With the average advisor over 50 years old, the industry faces a “silver wave” of retirements, making proactive planning essential. 

Distributors and carriers are uniquely positioned to support advisors in navigating this complex process. By embracing technology, they can ensure seamless transitions, strengthen client relationships, and sustain long-term business growth.

The Stakes for Distributors and Carriers

For distributors and carriers, advisor succession planning isn’t just about supporting advisors—it’s about safeguarding client loyalty and protecting critical revenue streams. 

When advisors retire without a clear transition plan, it can lead to client uncertainty, weakened trust, and the potential loss of key relationships. This affects not only advisors but also the long-term stability of the carriers and distributors they partner with.

Maintaining continuity in advisor-client relationships is essential to ensuring this doesn’t happen. By helping advisors plan ahead, distributors and carriers can keep client confidence high, sustain business momentum, and prevent the disruptions caused by poorly managed transitions.

But advisor succession planning isn’t just a matter of strategy—it demands the right tools. Technology has a big role to play, equipping advisors, carriers, and distributors with the resources they need to navigate transitions seamlessly. Platforms like Lavvi’s provide a secure environment for distributors and carriers to manage critical client data, ensuring that the transition to a different advisor is as smooth and transparent as possible.

The Role of Technology in Advisor Succession Planning

Technology is redefining what’s possible when it comes to advisor succession planning. By leveraging modern tools, distributors and carriers can simplify transitions, protect key relationships, and support advisors in building a stronger future for their practices. 

Here are some of the ways technology can make a meaningful difference:

Centralized Data Platforms Ensure a Seamless Handoff

Carriers can provide platforms that securely store client data and key business insights in one place. When it’s time for a transition, successors can easily access this data, ensuring continuity and minimizing disruptions to client service.

Integrated CRM Systems Streamline Planning

Distributors can support advisors with CRMs that include succession-specific workflows, helping them identify gaps in readiness and track progress. These tools make it easy to stay organized, prioritize next steps, and ensure no detail is overlooked during the transition.

Training and Knowledge Transfer Tools Build Confidence

Virtual learning systems and collaboration tools can facilitate mentorship programs and knowledge-sharing between outgoing advisors and their successors. By creating opportunities for skill transfer, these tools ensure successors are fully equipped for the transition.

AI Can Drive Successor Selection

Predictive analytics can help identify the right successor based on compatibility with client demographics and advisory styles. This data-driven approach ensures advisors can transition their practice with confidence, knowing their clients will be in good hands.

Digital Platforms Build Relationship Continuity

Digital platforms that allow for personalized communication help successors connect with clients early in the process and foster trust. These tools make it easier to maintain high-quality service and client engagement, even during periods of change.

Strategic Benefits for Carriers and Distributors

For carriers and distributors, prioritizing advisor succession planning is more than just a business continuity measure—it’s a strategic investment in long-term growth. By taking an active role in supporting advisors through technology and resources, they gain distinct advantages that position them for sustained success.

Better Advisor Relationships

Demonstrating a commitment to advisor succession planning shows advisors that their business and legacy matter. This strengthens trust, fosters loyalty, and keeps advisors engaged throughout their careers—reducing turnover and protecting valuable partnerships.

Improved Client Satisfaction and Retention

Seamless transitions maintain client confidence, ensuring continuity in service and reducing the risk of losing clients. This not only safeguards revenue but also reinforces the carrier’s or distributor’s reputation for reliability and support.

A Competitive Edge

Despite its significant impact, advisor succession planning often doesn’t get the attention it deserves. Carriers and distributors that prioritize it can differentiate themselves as indispensable partners—securing advisor loyalty, standing out from competitors, and building a strong reputation that attracts top talent to their organizations.

Leading the Way in Advisor Succession Planning

The future of advisor succession planning lies in proactive, technology-driven solutions. By investing in platforms that simplify transitions, carriers and distributors can not only support advisors in securing their legacy but also strengthen client relationships and build long-term resilience. It’s an opportunity to lead the way in creating a more connected, future-ready industry where advisors feel valued and clients experience uninterrupted service.

At Lavvi, we understand the challenges and opportunities that come with succession planning. Our platform is designed to empower carriers and distributors with the tools needed to simplify transitions, protect key relationships, and drive growth. Together, we can transform succession planning into a strategic advantage for your business and the advisors you support.

Start building a stronger, future-ready foundation for your advisors and clients—connect with us to start a conversation.

This post on insurance compliance and risk management is part of Lavvi’s Partnership Distribution Guide, a comprehensive resource designed to help life insurance carriers build and expand distribution through strategic partnerships. Read the full guide here.

In life insurance distribution partnerships, insurance compliance and risk management isn’t just a best practice—it’s essential. From staying ahead of regulations to mitigating potential liabilities, risk management in insurance is critical to building successful, sustainable partnerships that can grow with your business.

For life insurance carriers and their partners, navigating state and provincial compliance requirements, managing risks, and staying aligned can feel overwhelming. But with a clear strategy, it doesn’t have to be.

In this article, we’ll explore practical ways to integrate risk management and insurance compliance into your partnerships. Here’s what we’ll cover:

• How to identify risks and potential liabilities in distribution partnerships.
• Developing a proactive risk management strategy.
• Navigating compliance requirements at the state and provincial level.
• Establishing a dedicated risk management team.
• Practical tips for ensuring partnerships stay compliant and protected.

Whether you’re launching a new partnership or refining an existing one, this guide will help you create stronger, safer, and more effective distribution relationships.

Identifying Potential Risks in Distribution Partnerships

Identifying risks is the first step in effective risk management in insurance distribution partnerships. Without a clear understanding of potential liabilities, carriers and their partners face operational inefficiencies, compliance failures, and reputational damage.

Common Risks in Distribution Partnerships include:

Regulatory Non-Compliance: Failing to meet federal, state, or provincial insurance regulations can lead to costly penalties and even legal action.

Data Security and Privacy: Mismanaging customer data can result in breaches that damage both reputation and customer trust.

Operational Risks: Gaps in processes or communication between carriers and partners can lead to inefficiencies, delays, and mistakes.

Reputational Damage: Non-compliance, data breaches, or inconsistent service delivery can affect a carrier’s reputation and harm customer trust, which is incredibly difficult to rebuild.

Proactive Risk Identification

To effectively integrate risk mitigation in insurance partnerships, consider these strategies:

• Conduct a Risk Assessment Audit: Review all operational, legal, and financial aspects of your distribution partnerships to identify vulnerabilities.
• Leverage Data Analytics: Analyze patterns in operations and customer interactions to pinpoint weak spots that may pose risks.
• Collaborate with Partners: Engage your partners in risk identification. Open dialogue ensures a more comprehensive view of potential challenges.
• Review Historical Incidents: Look at past compliance issues, claims disputes, or operational hiccups to inform your current risk management strategy.

By addressing these risks head-on, carriers can build more resilient distribution partnerships.

Developing a Risk Management Strategy

Once risks have been identified, the next step is to create a plan for managing them. A well-designed risk management strategy ensures that potential liabilities are systematically addressed, reducing the likelihood of disruptions or compliance failures in your insurance distribution partnerships.

Evaluate Potential Impacts

Every risk you’ve identified should be assessed for its potential impact. What would happen if this risk became a reality? By understanding these impacts, carriers can better prioritize mitigation efforts and allocate resources effectively.

Prioritize Risks Based on Likelihood and Severity

Not all risks are equal—some are more likely to happen, while others could have bigger consequences. Prioritize them based on two key questions: How likely is it to happen? And if it does, how much damage could it cause? This way, you can tackle the high-priority risks first and feel confident you’re putting your energy in the right place.

Implement Mitigation Strategies

Once you’ve prioritized your risks, tackle them with targeted solutions. For example:

• Secure Technology: Invest in tools that protect sensitive data, automate compliance tasks, and simplify regulatory reporting. These help you stay a step ahead.
• Standard Operating Procedures (SOPs): Create clear, repeatable processes for key tasks, like onboarding new partners. This keeps things consistent and reduces errors.
• Regular Audits: Regularly review processes to ensure compliance standards are met and risks are managed proactively.

Managing risk is an ongoing effort. Assigning dedicated roles or creating a risk management team can help keep everything on track. This team can monitor potential issues, ensure compliance, and adjust your strategies as regulations or market conditions change and your partnerships evolve.

Navigating Insurance Compliance Challenges

Life insurance is a highly regulated industry, and staying compliant is critical to avoiding financial penalties and reputational harm. For partnerships operating across multiple jurisdictions, understanding both general regulations and local rules is key.

General Insurance Compliance Considerations

Carriers and their partners must navigate:

• Data Privacy Laws: Adhere to rules like CCPA and other jurisdiction-specific privacy requirements.
• Insurance Regulations: Ensure compliance with licensing, underwriting, and policy disclosure requirements.
• Anti-Fraud Measures: Implement processes to detect and deter fraudulent activity.

These compliance areas should be formalized in partnership agreements to ensure accountability and alignment between all parties.

State and Provincial Compliance

When partnerships span multiple states or provinces, regulations can vary widely:

• Disclosure Requirements: Some jurisdictions require unique disclosures for customers.
• Licensing Standards: Confirm that all advisors and distributors meet the necessary licensing requirements for their operating regions.
• Advertising Rules: Ensure compliance with local guidelines for marketing and promotional materials.

To navigate these complexities effectively, engage local legal and compliance experts as needed. Their expertise ensures carriers and their partners fully understand regional requirements, helping to reduce risk and maintain smooth operations across all jurisdictions.

Establishing a Risk Management Team

A dedicated risk management team can make all the difference in insurance compliance and risk management. This team should include representatives from compliance, operations, IT, and legal to address challenges from all angles.

Responsibilities of a risk management team include:

• Proactive Monitoring: Identifying risks in real-time and taking action before issues escalate.
• Collaborative Efforts: Working closely with partners to align on compliance and risk management practices.
• Ongoing Adaptation: Adjusting strategies as regulations and market conditions evolve.

A dedicated risk management team isn’t only beneficial internally—it also plays a critical role in fostering collaboration between carriers and their partners: for example, quarterbacking joint risk assessments, facilitating regular compliance reviews, or defining roles and responsibilities within the partnership to maintain transparency and streamline compliance efforts.

A Practical Checklist for Insurance Compliance & Risk Management

Integrating compliance and risk management effectively into life insurance distribution partnerships can feel complex. To help simplify, here’s a practical checklist to guide your efforts:

1. Map Regulatory Requirements: Identify all relevant rules across your partnership’s jurisdictions.
2. Formalize Agreements: Clearly outline compliance roles and responsibilities in partnership agreements.
3. Invest in Technology: Leverage tools that enhance security, automate compliance, and flag potential risks.
4. Form a Risk Management Team: Assign dedicated resources to monitor and address risks.
5. Schedule Regular Reviews: Conduct routine audits to ensure compliance and identify new risks.

Key Takeaways for Integrating Risk Management and Compliance in Partnerships

• Risk Identification is Essential: Understanding the potential liabilities in distribution partnerships—like regulatory non-compliance, data breaches, or operational inefficiencies—lays the foundation for effective risk mitigation.
• Compliance Responsibilities Should Be Shared: Clearly outline compliance obligations in partnership agreements to ensure accountability across all parties and reduce risks of oversight.
• Prioritize Risks by Likelihood and Impact: Focus on the ones most likely to occur or have the biggest impact to optimize your resources and mitigation strategies.
• Leverage Technology to Streamline Compliance: Secure, automated tools can simplify regulatory reporting, flag potential risks, and protect sensitive data while keeping operations efficient.
• A Risk Management Team is Key to Oversight: Establish a dedicated team or assign key roles to monitor risks, maintain compliance, and adapt strategies as regulations and market conditions evolve.
• Stay Vigilant About Local Regulations: Partnerships spanning multiple jurisdictions must account for varying state or provincial compliance requirements. Consider engaging local legal experts when necessary.
• Make Compliance an Ongoing Effort: Regular audits and assessments help ensure adherence to standards, identify emerging risks, and foster continuous improvement in risk management strategies.

Strengthening Partnerships Through Risk Management and Compliance

By integrating risk management and insurance compliance into your partnerships, you can build relationships that are resilient, compliant, and prepared for growth. From formalizing compliance in agreements to assigning oversight roles, taking a proactive approach ensures your partnerships operate smoothly and securely.

For a deeper dive into creating effective distribution partnerships, check out our comprehensive Partnership Distribution Guide.

This post is part of Lavvi’s Partnership Distribution Guide, a comprehensive resource for life insurance carriers aiming to expand their reach through strategic partnerships. View the full guide here.

Building effective distribution partnerships in life insurance requires more than just finding the right partners. Success depends on a well-integrated approach to systems and processes that allows for smooth data sharing, efficient workflows, and strong coordination across all channels. Insurance APIs are a key part of this, helping carriers and their partners connect systems, improve collaboration, and respond quickly to market needs.

In this article, we’ll dive into how data, system, and process integration are critical to effective distribution partnerships. Specifically, we’ll look at the role insurance API integrations play—from facilitating policy administration to streamlining operations—in enabling the flexibility and scalability needed to build and grow successful partnership distribution strategies.

What Are Insurance APIs?

Application Programming Interfaces, or APIs, enable different software applications to communicate and share data. Insurance APIs play a key role in connecting carriers, distributors, and other partners, supporting real-time data exchanges and more streamlined processes across the board.

By providing standardized ways to access and share information, insurance APIs help carriers and partners operate more efficiently, improve the customer experience, and scale their operations. From policy sales to claims processing to customer service, APIs power digital distribution strategies by making integration faster and more flexible.

The Importance of Integration in Insurance Partnerships

Successful life insurance distribution partnerships require aligning diverse systems, processes, and data sources across a network of partners. 

Integration supports real-time data exchange, consistent workflows, and a unified experience for advisors and customers—all of which are essential for smooth operations.

APIs serve as the bridge between systems, making integration faster, more flexible, and scalable. By standardizing interactions between platforms, insurance APIs allow data, systems, and processes to be shared and accessed seamlessly across the carrier’s network of partners. This keeps partners aligned, ensuring they can deliver timely service and share essential data accurately and securely.

For life insurance carriers looking to elevate their distribution partnership strategies, three critical areas of integration should be front and center: data, system, and process integration.

Data Integration: Establishing a Unified Data Flow

In life insurance distribution partnerships, data integration is a fundamental component for consistent communication and informed decision-making. It ensures that critical information—such as customer details, policy data, and transaction history—is accessible and in sync across all systems.

Addressing Data Challenges

A common challenge in data integration is the variety of formats, standards, and regulatory requirements across different platforms. Even with strong data practices, a company may struggle to merge data with a partner if formats or compliance standards differ.

How APIs Simplify Data Integration

Insurance APIs streamline data integration by standardizing communication between systems. APIs bridge gaps, enabling smooth, secure data exchange that meets compliance needs. For example, an API can allow a carrier’s policy administration system to pull customer data directly from a partner’s CRM, keeping customer information consistent without manual intervention. This automation reduces errors, increases efficiency, and improves data quality for both carriers and partners.

System Integration: Connecting Core Platforms for Seamless Operations

Successful partnerships rely on the ability to integrate key systems across platforms for unified, efficient operations. System integration enables smooth data and process flow between carriers and partners, reducing delays, improving service quality, and creating a consistent experience for customers and advisors alike.

In an effective partnership, several core systems often require integration:

• Digital Distribution Platforms: Serve as central hubs that enable carriers to efficiently expand distribution across partners, facilitating seamless data flows and streamlined management of the distribution process.
• CRM (Customer Relationship Management): Keeps customer information up-to-date for all partners.
• Policy Administration: Manages policy details, underwriting, and claims processing.
• Billing and Payment Systems: Ensures timely and accurate billing, critical for customer satisfaction.
• Customer Service Platforms: Facilitates policyholder support, ensuring a seamless customer experience.

The Role of APIs in Insurance System Integration

By allowing systems to connect and enabling real-time data synchronization, APIs help ensure that updates in one system (e.g., CRM) automatically reflect in others (e.g., policy administration), enabling partners to work with accurate, up-to-date information. APIs also support secure data exchanges, essential for meeting regulatory compliance requirements and protecting customer information.

For example, imagine an advisor updates customer information through a CRM. With API-driven integration, this update can instantly reflect in the policy administration and customer service systems, reducing the risk of outdated information. By coordinating these updates through centralized integration, carriers can ensure consistency and accuracy across all touchpoints.

Process Integration: Aligning Key Workflows 

Process integration in distribution partnerships isn’t about making every partner identical; rather, it’s about aligning key workflows while respecting each partner’s unique operations. By integrating core processes such as sales, customer onboarding, policy issuance, and claims handling, carriers can ensure consistency without sacrificing flexibility.

Insurance API integrations can enable real-time data sharing and seamless transitions across partner systems, creating a cohesive operational flow that doesn’t interfere with each partner’s distinct methods.

Striking this balance allows carriers to benefit from streamlined, scalable operations while empowering partners to operate effectively within their own frameworks.

Best Practices for a Successful Integration Strategy

Establishing a successful, scalable integration strategy goes beyond the initial implementation of systems and APIs. To maximize the benefits of integrated processes and technology, life insurance carriers should adopt a few essential best practices:

Prioritize Flexibility and Scalability

Building an integration strategy that is both flexible and scalable is critical for accommodating new partners, adapting to emerging data sources, and responding to evolving market demands. An API-based approach allows systems to expand and evolve with minimal disruption, ensuring that partnerships remain agile and responsive to change. 

Continuous Improvement

Integration strategies should evolve. Regular feedback from partners and performance insights help carriers refine processes and improve performance.

Emphasize Training, Support, and Documentation

Proper onboarding and continuous support are crucial for maintaining integration quality across partner ecosystems:

• Training: Training ensures that all partners are well-versed in the integrated systems and processes, reducing friction in day-to-day operations and minimizing the risk of errors.
• Continuous Support: Establishing dedicated support channels for partners enables quick resolution of issues, maintaining uninterrupted service and operational efficiency.
• API Documentation: Clear, accessible API documentation acts as a valuable reference for partners, providing guidance on how to navigate integrated systems and troubleshoot independently. Comprehensive documentation supports long-term consistency and quality, empowering partners to leverage the full potential of integrated systems.

Foster Collaboration and Transparency

A successful integration strategy relies on open communication with partners, fostering a collaborative environment where all stakeholders understand goals, challenges, and expected outcomes. Transparency not only strengthens relationships but also facilitates smoother adoption and alignment on shared objectives.

By adhering to these best practices, carriers can create an integration strategy that not only meets current needs but is also prepared to adapt and grow with the business, ensuring that all systems, processes, and partners operate in harmony for sustained success.

Conclusion

A successful distribution strategy is about more than choosing the right partners. It requires a robust, adaptable approach to integrating systems, data, and processes across diverse platforms and partner ecosystems. By leveraging the power of insurance API integrations, life insurance carriers can streamline data sharing, optimize workflows, and create a seamless experience for distribution partners and customers alike.

Carriers that prioritize flexible integration strategies can better support growth, respond to changing demands, and keep all systems working in harmony. For a closer look at building effective distribution strategies and maximizing partnership potential, check out Lavvi’s Guide to Building a Partnership Distribution Strategy.

In an industry where agility and speed-to-market are critical, no-code and low-code insurance platforms are putting control back in the hands of life insurance carriers.

For years, the industry has been defined by legacy systems—rigid, costly, and notoriously slow to adapt. According to a Deloitte study on modernizing insurance product development, rolling out a new insurance product can take 12 to 18 months, while modifying existing coverage can take 3 to 6 months. These timelines are simply too slow for modern carriers to remain competitive.

With no-code and low-code insurance platforms, life insurance carriers can finally overcome these barriers, adopting a faster, more efficient approach to meeting market demands. Unlike legacy platforms, low-code and no-code solutions empower carriers to control updates, speed up time to market, and reduce dependency on development-heavy processes.

What Are Low-Code and No-Code Insurance Platforms?

Low-Code Insurance Platforms

Low-code platforms provide carriers with a development environment that uses visual, drag-and-drop elements to create applications and workflows, while still allowing for custom coding when needed. 

With low-code, insurers can automate and streamline tasks, update processes, and introduce new products without relying solely on IT resources. Low-code for insurance combines flexibility and control, empowering carriers to innovate quickly and align their offerings with current market needs.

No-Code Insurance Platforms

No-code platforms, on the other hand, require no programming knowledge at all. They provide an even simpler environment than low-code, allowing business users to create, configure, and deploy using a visual interface. 

For example, with a no-code insurance platform, a business analyst can make real-time changes to policies, adjust application workflows, or update rates independently – without the need for IT support

Together, low-code and no-code solutions represent a paradigm shift for insurance technology, transforming the industry with streamlined processes and agile solutions that allow life insurance carriers to innovate and adapt faster and more cost-effectively.

The Growing Need for Low-Code and No-Code in Insurance

Gartner projects that by 2025, 70% of new applications developed by organizations will use low-code or no-code platforms. This reflects a broader shift toward accessible, efficient solutions that enable faster application development across industries. In fact, the global low-code development platform market is predicted to generate $187 billion in revenue by 2030.

The shift toward low-code and no-code platforms is more than just a trend; it’s a strategic decision that empowers life insurance carriers to innovate and stay competitive. 

Many insurance carriers today still operate with outdated systems that bring familiar challenges:

High Costs and Resource Allocation

Maintaining legacy systems is costly, often consuming 70-80% of IT budgets just to keep systems operational. These expenses leave little room for innovation, meaning carriers are often resource-constrained when trying to launch new products, update products, or streamline processes. Low-code and no-code insurance platforms offer a cost-effective alternative that significantly reduces the cost of getting new products to market or updating rates, questionnaires, or workflows.

Slow Speed-to-Market

Traditional systems hinder carriers’ ability to react swiftly to market demands, with product launches often taking 12 to 18 months and simple updates taking 3 to 6 months. This pace can result in missed opportunities and puts carriers at a competitive disadvantage. Low-code and no-code insurance platforms eliminate bottlenecks, allowing carriers to accelerate product development and respond to market changes faster, for a fraction of the cost.

Limited Control Over Updates

Carriers relying on legacy technology frequently depend on external vendors or IT teams for even minor adjustments, from changing question flows to implementing new compliance requirements. This reliance increases costs and timelines. By adopting low-code/no-code solutions, carriers regain control, enabling quick, cost-effective updates without needing vendor support.

How Low-Code and No-Code Platforms Give Carriers Control

With low-code and no-code insurance platforms, life insurance carriers are no longer bound by traditional, development-intensive systems. Instead, these platforms bring flexibility and adaptability that allow carriers to integrate new capabilities alongside their existing systems, creating a modular, measured approach to transformation rather than a disruptive “rip and replace” overhaul.

1. Faster Product Development and Agility

Low-code and no-code insurance platforms enable life insurance carriers to launch new products faster, respond to advisor feedback, and adapt to customer needs with minimal delay. This agility allows carriers to innovate faster and better meet the expectations of today’s consumers.

2. Better Advisor Feedback Loops

Carriers can respond to advisor feedback much faster. With low-code/no-code, updates—like customizing a questionnaire or adjusting an application flow—can be made within days. This agile feedback loop supports advisors, improves the customer journey, and gives carriers a competitive edge by providing a better end-user experience.

3. Incremental, Modular Transformation

Carriers don’t need to overhaul their systems all at once. No-code and low-code insurance platforms offer a modular, incremental approach, allowing carriers to introduce new capabilities piece by piece. This approach reduces risk and cost while enabling targeted innovation where it’s most needed.

4. Cost-Effective, Scalable Solutions

No-code/low-code insurance platforms typically use a SaaS-based model, meaning carriers can benefit from predictable, manageable costs. Maintenance, security, and compliance are built into these platforms, so carriers don’t have to allocate extra resources for these essential functions. Additionally, these platforms are scalable, enabling carriers to expand features and functionalities in step with business growth.

Embracing Low-Code/No-Code Platforms

As life insurance carriers face mounting pressure to modernize, low-code and no-code platforms offer a viable path forward. These platforms provide the agility to quickly introduce new products, streamline processes, and deliver improved customer experiences—all while minimizing reliance on traditional IT support. 

Lavvi’s platform is purpose-built to give life insurance carriers the control, agility, and scalability they need in a rapidly changing market:

• Industry-Leading Configurability: Quickly launch new products or make updates without IT support. Lavvi empowers carriers to adjust product details, questionnaires, and rates in near real-time.
• 90-Day Implementation: Lavvi’s streamlined setup enables carriers to go live in as little as 90 days—accelerating time-to-market and maximizing market opportunities.
• Modular and Scalable: Lavvi’s platform is designed to enable carriers to invest in what they need today and scale seamlessly as their distribution strategy evolves.

Ready to Take Control?

For carriers ready to supercharge their distribution strategy, Lavvi is here to help you stay agile, reduce costs, and respond to market demands with speed and precision.

Learn more about our platform here.

By: Ray Adamson, Chief Customer Officer at Lavvi

When my dad entered the life insurance industry in the 1950s, the captive agent model was the norm. It was a face-to-face business, with agents building personal relationships, sitting down with clients, and working through policy details at kitchen tables.

How times have changed.

The industry has seen massive shifts since that era. The rise of digital tools, changing consumer behavior, and most significantly, the impact of the pandemic have accelerated digitalization in the industry. 

What we’re seeing now is an unprecedented evolution in life insurance distribution channels, at a rate faster than any in the history of the industry. 

For life insurance carriers, the future isn’t just about the move toward omni-channel strategies – it’s also about streamlining operations at the carrier level, sales enablement, and meeting changing customer expectations.

The Evolution of Distribution

The career agent model dominated the life insurance industry for most of its history, and agents were the face of the business. They built trust through personal connections, meeting clients at kitchen tables to walk through policy options. However, the model came with its limitations, with high costs and low retention rates.

As the industry evolved, so did life insurance distribution channels, shifting away from the career agent model toward independent advisors and distributors. This offered more flexibility, allowing advisors to work with multiple carriers instead of being tied to one. The distributor model provided a way for advisors to access a wider range of products and cater to diverse client needs.

By the time I got licensed as an advisor in the early 1990s, this model was the norm. Technology was also beginning to make its mark. Advisors started using early CRM systems and digital tools like illustration software, which made client interactions more efficient and streamlined. From 2000 to 2007, I coached hundreds of advisors across North America, focusing on how they could leverage these tools to be more efficient, save time, and still maintain that essential personal connection with clients.

But despite these technological advancements, the industry’s pace of change remained slow. By the 2010s, many carriers had started to look at eApps and digital platforms, but adoption was slow (I don’t think I used an eApp until the late 2010s). Advisors were cautious, and carriers were still figuring out how to integrate these new tools effectively. 

The Catalyst for Change: COVID-19

Then, the COVID-19 pandemic hit, acting as a massive catalyst for change. Almost overnight, life insurance carriers had to adapt to a digital-first environment. Face-to-face meetings and physical paperwork became impractical, and the industry had no choice but to accelerate its digital transformation plans. 

Carriers who had been hesitant were now investing heavily in technology—digital distribution platforms, e-signatures, automated underwriting, and more sophisticated CRM systems—to ensure they could sell more policies, meet customer needs, and keep advisors enabled and confident.

This shift was necessary, but it wasn’t without its challenges. The urgency to adapt led carriers to implement systems quickly, sometimes with less-than-ideal outcomes: custom systems that are resource-intensive to maintain; disparate systems that don’t integrate well; separate eApps for different product lines.

But now that the dust has settled, carriers have the opportunity to re-evaluate and look at distribution more thoughtfully. 

Navigating the Future of Life Insurance Distribution

When I’m out there talking to carriers, advisors, and industry folks, one thing comes up again and again—companies that will win going forward are the ones that take the lessons from the pandemic and use them strategically. The days of being reactive are behind us; now, it’s about being proactive.

For carriers, the path towards finding greater success in their life insurance distribution channel strategy involves balancing three critical areas:

1. Operational Efficiencies that Give You an Edge

To stay competitive, carriers need to move quickly and adapt with ease. Whether it’s launching a new product or updating rates, the ability to make these changes without being slowed down by IT bottlenecks is a real game-changer. Carriers who use technology as an enabler to streamline their operations and reduce inefficiencies are setting themselves up to win.

At Lavvi, we enable digital distribution in as little as 90 days. With our industry-leading admin configurability, we put the keys back in your hands. You can control your speed to market, launching new products, updating existing ones, and making adjustments—all without the need for IT support.

2. Meeting Customers Where They Are—Across Channels

Or in industry jargon, omni-channel distribution.

Life insurance isn’t a one-size-fits-all business anymore. People want options—they might start their research online, talk to an advisor, and then complete their application digitally. In fact, LIMRA found that nearly half of Gen Z and Millennials expect to blend online research with working alongside a professional. And while direct-to-consumer sales are growing, they’re still a small part of the market. According to CHLIA, 83% of life insurance is still purchased through advisors.

It’s all about finding that balance—offering digital life insurance distribution channels for those who want convenience but also ensuring customers have access to the reassurance and expertise of an advisor when they need it.

With Lavvi, carriers can support a true omnichannel experience, meeting customers where they are, whether sales are advisor-led, consumer-driven, or a hybrid of both. Our platform seamlessly integrates these approaches, helping you deliver a consistent and valuable customer experience.

3. Adapting to Changing Customer Expectations

Today’s customers expect a seamless, personalized experience. They want the ability to engage across channels in a way that feels consistent and intuitive. Whether it’s via an app, a call with an advisor, or face-to-face, it’s about meeting them where they are and offering proactive, tailored engagement that makes them feel valued and understood.

By focusing on these three areas, carriers can not only keep up with the rapid changes in the industry but also set themselves up for long-term success.

What the Future Holds

Life insurance carriers must not only adapt to the changes accelerated by the pandemic but also take a proactive and strategic approach to future-proof their operations. By balancing operational efficiency, evolving their life insurance distribution channel strategy, and adapting to customer expectations, carriers can thrive.

Lavvi is at the forefront of this transformation, providing a digital distribution platform that supports quick implementation, configurability for self-sustaining management, and tools that build confidence for both advisors and consumers.

To learn more about Lavvi and see our platform in action, book a demo or get in touch with us here.

Digitalization in life insurance distribution has moved beyond buzzword territory – it’s a cornerstone of innovation and growth.

For carriers, digital distribution channels offer a powerful way to extend reach and increase policy sales, gain efficiency, and meet rising consumer expectations for convenience and flexibility. This trend has only intensified post-pandemic, as consumer behaviors have leaned heavily toward digital interactions and carriers have put growth front-and-center as a major priority.

But, how does this actually play out in practice? We’re glad you asked. 

In this article, we’ll walk you through the real-life success story of Assumption Life, a Canadian mutual life insurer and Lavvi partner. Assumption Life has successfully modernized its approach to distribution, demonstrating how digitalization in life insurance can empower carriers to accelerate growth while meeting the evolving needs of customers. 

Here’s what we’ll talk about:

1. Understanding digitalization in life insurance distribution
2. Assumption Life’s path to success
3. Key learnings for carriers

Let’s dive in.

What is Digitalization in Life Insurance Distribution?

Digitalization in life insurance distribution refers to using digital channels and tools to sell policies more effectively, creating a streamlined experience for advisors, consumers, and carriers alike. This approach includes various models such as advisor-led, direct-to-consumer (D2C), and hybrid sales, each catering to distinct consumer needs and preferences.

In the current environment, digital distribution in life insurance is no longer just an option but an essential strategy for carriers aiming to capture market share and increase sales. Broader reach, quicker policy issuance, and supporting advisors with the tools they need to engage and sell more effectively are all benefits that come with digital distribution. 

Additionally, digitalization allows consumers to explore, compare, and purchase policies online. This shift meets growing demand for accessible, easy-to-navigate insurance options, where consumers have the flexibility to engage on their terms.

The pandemic accelerated the adoption of digitalization across many sectors, and life insurance was no exception. Carriers were forced to adapt rapidly. Digital distribution channels emerged as vital pathways for growth, allowing insurers to continue reaching consumers despite physical constraints and shifting consumer expectations. 

Going forward, digital distribution will remain a central focus for the industry, as more carriers recognize the necessity of offering fast, flexible, and reliable digital experiences to consumers.

Assumption Life: A Digital Distribution Success Story

Assumption Life serves as a powerful example of how carriers can pursue life insurance digitalization to expand reach, improve efficiency, and increase policy sales. 

With over 120 years in the life insurance business, Assumption Life recognized the need to modernize its approach to meet evolving customer expectations and expand into new markets.

So in 2003, the company took its first major step toward digitalization in life insurance by introducing e-apps. This move enabled partners and advisors to streamline the application process and connect with a broader audience outside the Atlantic Canada region. 

Assumption Life chose to focus on simplified, quick-issue products that aligned well with digital channels, such as policies designed for family-oriented, mid-market needs like final expense and mortgage protection. This digital-first approach allowed Assumption Life to reach a larger market with products that required minimal underwriting, establishing the company as an accessible choice for Canadians.

Expanding Digital Distribution Through Strategic Partnerships

Assumption Life partnered with Lavvi to further expand its digital distribution capabilities. With Lavvi’s support, the company launched Life Insurance Anywhere (LIA) in 2013, a platform that allowed advisors to engage clients wherever they were. This increased flexibility was vital for extending its distribution reach across Canada.

Assumption Life continued to focus on digitalization by transitioning to an API-driven system, which enabled seamless integration with distribution partners and direct-to-consumer (D2C) channels. Lavvi’s technology helped bring to life Assumption Life’s Marketplace Solution in 2019, allowing partners to create D2C websites where consumers could independently explore, apply for, and purchase life insurance.

Key Results for Assumption Life

Assumption Life’s focus on leveraging digitalization in life insurance distribution has yielded substantial results.

1. Expanded National Reach: By moving beyond its traditional Atlantic Canada market and embracing digital distribution, Assumption Life now serves clients nationwide, reaching both urban and rural areas without the need for a physical presence.
   
2. Higher Efficiency with Quick-Issue Products: The focus on simple, digital-ready policies enabled faster approvals, minimal underwriting, and reduced processing times. This approach increased advisor productivity while providing a streamlined experience for clients.
   
3. Stronger Partnerships through API Integration: By adopting an API-driven system, Assumption Life has been able to work with more distribution partners and seamlessly integrate its technology, fostering stronger relationships and expanding access to a more diverse consumer base.
   
4. Increased Direct-to-Consumer Sales: The Marketplace Solution empowered distribution partners to create customized D2C websites, allowing consumers to independently browse, apply for, and buy policies online, driving growth in D2C channels.

Learn more about Assumption Life’s success story. View the Case Study.

Key Learnings For Life Insurance Carriers

Digital transformation can often be a buzzword with minimal tangible results, but Assumption Life’s story offers valuable insights for other carriers aiming to evolve their digital distribution strategies. 

Here are key takeaways from its journey:

Strategic Planning & Change Management Are Essential

Careful planning and training were crucial in ensuring a smooth transition to digital distribution. Assumption Life’s deliberate rollout of new tools and platforms minimized disruption by aligning stakeholders and preparing advisors to adopt digital solutions confidently. 

For carriers, a focus on change management is essential in maintaining productivity and trust as they navigate digitalization. 

Focus on Core Strengths in Distribution

Assumption Life focused first on products, like quick-issue policies, that were easily digital-ready. 

Other carriers can benefit by honing in on their most adaptable product offerings, aligning them with digital channels to increase speed to market and scale in the future.

Adopt an API-Driven Framework for Flexibility

Assumption Life’s API-driven system allowed for seamless integrations with distribution partners and direct-to-consumer channels, creating flexibility without requiring extensive infrastructure changes. 

For carriers, this adaptability is key to supporting an omni-channel distribution model and ensuring that new systems can integrate smoothly with existing tech stacks.

Engage in Strategic Partnerships

Rather than building all digital distribution capabilities in-house, Assumption Life’s partnership with Lavvi equipped them with the tools needed to effectively support both advisor-led and consumer-driven sales. 

Collaborating with technology partners can improve a carrier’s ability to innovate and focus on core strengths, allowing faster, more cost-efficient adoption of digital tools.

Recommended Reading – Building A Partnership Distribution Strategy: A Comprehensive Guide for Life Insurance Carriers.

Conclusion

Assumption Life’s journey into digitalization in life insurance distribution is a testament to the power of a focused, strategic approach. By prioritizing simple, digital-ready products, leveraging an API-driven system, and collaborating with a trusted technology partner, Assumption Life has successfully transformed its distribution model to reach a national audience while offering a seamless experience for advisors and consumers alike.

To learn more about Assumption Life’s story, check out the Case Study here.

This post is part of Lavvi’s Partnership Distribution Guide, a comprehensive resource for life insurance carriers looking to expand their distribution reach through strategic partnerships. Get the full guide here.

For carriers, success in today’s evolving market depends heavily on forming the right life insurance distribution partnerships. 

These partnerships can help carriers extend their reach, tap into new markets, and accelerate growth. However, to truly benefit from these collaborations, it’s essential to start with well-defined goals, clear objectives, and measurable success metrics. 

In this article, we explore how life insurance carriers can build a robust distribution strategy by aligning partnerships with broader business goals and tracking success through the right key performance indicators.

What is a Distribution Partner in Insurance?

Seems like a basic question, we know. 

But a holistic distribution strategy can involve a variety of life insurance distribution channels and a wide array of partners, from distributors, to modern digital distribution platforms, to back office vendors and beyond. These partnerships not only broaden market reach but also provide new ways to deliver products faster and meet evolving customer needs.

Life Insurance Distribution Partnership Examples

• Distributors: These are often the first partners that come to mind, acting as intermediaries between carriers and brokers or advisors. They play a critical role in expanding market reach and driving policy sales.
• Digital Distribution Partners: Companies like Lavvi offer carriers a way to accelerate digital distribution, reaching new customers through digital platforms, improving operational efficiency, and enabling true omnichannel sales capabilities.
• Third-Party Administrators: These partners manage various operational aspects, such as claims processing or customer support, allowing carriers to focus on growth while maintaining operational excellence.
• Back-Office Vendors: These vendors help carriers manage back-office systems, ensuring that distribution operations run smoothly and efficiently.

By considering a broad range of partnership types, carriers can create a more comprehensive and flexible distribution strategy that adapts to market changes and leverages new opportunities.

Defining Objectives and Setting Measurable Goals 

Laying the foundation for a successful distribution strategy starts with identifying clear objectives and goals.

Before setting specific, measurable goals, life insurance carriers need to establish high-level objectives for their distribution partnerships. These objectives can be overarching and strategic, guiding your partnerships to meet the broader goals of your organization.

High-Level Objectives May Include:

• Expanding Geographical Reach: Identify new markets or regions to enter.
• Diversifying Product Portfolio: Introduce new products or enhance existing offerings.
• Increasing Market Share: Grow your customer base by leveraging the networks of distribution partners.
• Strengthening Existing Partnerships: Deepen collaborations to maximize value.
• Improving Speed to Market: Reduce the time it takes to launch new products or update existing products.

With these objectives in mind, carriers can then translate them into measurable goals. These goals should be quantifiable, allowing you to track progress and adjust as necessary.

Examples of Measurable Goals Include:

• Revenue Growth: Set a specific target for revenue increases tied to the partnership.
• Market Expansion: Define how many new customers or regions you aim to penetrate.
• Time to Market: Establish a target to reduce the time it takes to bring new products to market by a certain percentage.
• Faster Policy Issuance: Establish a benchmark to reduce the time to issue policies.
• Customer Acquisition: Set goals for the number of new customers gained through each partnership.
• Policy Sales: Aim for a specific number of new policies sold through each partner over a given period.

Keep in mind, while it’s important to have detailed, specific goals, distribution strategies can and should evolve over time. Aim to refine objectives and goals as you learn from your partnerships and the market.

By setting clear financial and operational targets that directly support your objectives, carriers can be well-prepared to successfully navigate the journey of building an effective partner distribution strategy.

Measuring Success: KPIs for Distribution Partnerships

Once objectives and goals are established, tracking the success of your distribution partnerships requires clear Key Performance Indicators (KPIs). These metrics provide quantitative insight into how well your partnerships are performing relative to your goals.

For life insurance carriers, some key KPIs to track to understand the success of their distributions partnerships may include:

• Number of Policies Sold
• Revenue Generated
• Cost per Sale
• Customer Acquisition & Retention Rates
• Net Promoter Score (NPS)

Each of these KPIs should be directly linked to the goals you’ve set. 

For example, if your goal is to improve operational efficiency, you may focus more on metrics like time to market for new products, cost per sale, or time to issue a policy. 

Achieving long-term success in distribution partnerships requires continuously monitoring and adapting based on what the data tells you. As market conditions evolve or new insights emerge, you should reassess your KPIs and adjust your strategy accordingly. 

By keeping a close eye on performance and being willing to make adjustments, carriers can stay agile and ensure that their distribution partnerships continue to drive value over time. Continuous improvement should be a central component of your overall strategy, ensuring that you’re not only meeting your current goals but also positioning your business for future growth.

Conclusion

Establishing successful life insurance distribution partnerships requires more than simply choosing the right partners—it involves aligning partnerships with your broader business objectives, setting measurable goals, and continuously tracking success through key performance indicators. By considering a diverse range of partners, from traditional distributors to InsurTechs, life insurance carriers can expand their reach, improve operational efficiency, and stay competitive in an evolving market. For more insights and a step-by-step roadmap to building a robust distribution partner strategy, check out Lavvi’s Guide to Building a Partnership Distribution Strategy.

At Lavvi, we’re on a mission to build the future of life insurance distribution. For far too long the life insurance industry has been neglected by technology. But now, with the popularization of AI enabling technologies, this people-first industry stands to gain massively from AI heavy solutions.

While humans currently bear the brunt of time intensive insurance paperwork and applications, AI tools are freeing-up advisors and carriers allowing them to focus on the people they protect.

When we first set out to build digital solutions that address the challenges of an industry with a lot of technical debt and legacy systems, we knew that there would be a lot of opportunities to leverage modern development tools to bring things like no-code tech and artificial intelligence into this space.

For example, our development team has been able to do exciting innovative work with Microsoft Azure’s Artificial Intelligence and Cognitive Services solutions to get the power of next-gen tech into the hands of life insurance carriers and advisors. Using AI in our solutions automates the busywork, so carriers and advisors can focus on building their business and consumers can enjoy the process of shopping for coverage.

​“On our mission to make the life insurance sales process as simple as humanly possible, we’ve set out to bake in as much automation and artificial intelligence in our solutions as possible, while ensuring our solutions meet complex industry compliance and regulation needs, of course,” said Jason McManaman, Strategic Advisor of Technology and Security at Lavvi.

​“A great example of this kind of work is the AI chatbot we’re currently working on.”

The AI chatbot is a tool that helps advisors navigate and conduct eligibility checks. This tool delivers relevant guidance, data, and resources to the advisor and also features FAQs. Naturally, a product of this nature marries next gen capabilities of Azure AI and Cognitive Services with customer-centric language and an intuitively understood interface.

Working in impactful tools like these with a ton of technical sophistication gives our development team opportunity to evolve their skills. ​“The leadership team put their confidence in my technical and disciplinary skills to take on the task of developing the chatbot,” said Ibrahim Jaber, a member of the Lavvi development team.

​“As a result, I got my first chance to design solutions that provide the best conversation experience by using the power of Machine Learning and AI to analyze a vast number of contexts across multiple languages. Working with state-of-the-art solutions on Azure is an exciting experience for the team and I.”

Jaber says the experience of working with a high-performance team and world-class solutions has become a knowledge and skill accelerant.

​“Ever since I joined Lavvi as a software developer, it has been enjoyably challenging because it pushed me out of my comfort zone. The past 7‑months have helped grow my knowledge of multiple technical/​design disciplines and allowed me to attain confidence in my day-to-day responsibilities,” he said.

Jaber isn’t the only member of the team who has become fluent in building AI applications. Work with azure AI is commonplace for team members as they build the human-centric future of life insurance distribution.

If challenge, support, and opportunities to make impact are something you’re looking for in a career, Lavvi is actively looking for entry-level, intermediate, and senior developers to join the team.

See our open positions here: Careers

​“If anyone is looking for a fast-paced environment that accelerates your career, while having a terrific team with devoted leadership and a well-thought-out product roadmap; then Lavvi is the choice,” says Jaber.

One thing we’ve learned from helping insurers sell policies online over the past 15 years is that protecting sensitive consumer data is integral to our customer’s reputation as an insurer. That’s why we’ve made a commitment to our customers to use a security-first approach that ensures the utmost standards of protection for data within our SaaS software and technology services.

We’re thrilled to announce the successful completion of our SOC 2 Type II security audit, following a rigorous examination of our company’s security controls over a 3‑month observation period. Completion of the Type II audit demonstrates that Lavvi meets the strict security procedures required over 5 key domains of trust criteria, including security, controls, availability of controls, processing integrity, confidentiality, and privacy criteria.

While last year we completed our SOC 2 Type I, completing our SOC 2 Type II audit this year validates that we’ve implemented our stated security controls and have maintained strict internal policies and procedures, as validated by an independent auditor. The audit was conducted by Prescient Assurance, a leader in security compliance attestation for SaaS organizations.

Successfully completing this SOC 2 Type II audit means that our insurance customers can feel confident their data is in good hands and rest easy knowing we manage security risks with the highest level of care. ​

“We’re incredibly proud of the tremendous effort made by our team to accomplish this” says Lavvi’s Manager of Security and Operations, Malcolm Grass. ​“Completing the SOC 2 Type II examination will give our clients the confidence they deserve when entrusting us with not only their data, but their reputation.”

Recently, we had the privilege of speaking at the LIMRA and LOMA Canada Annual Conference at the Manulife Centre in Toronto, Ontario. When preparing for the presentation, we took into account the challenges faced by our audience of over 100 life insurance carriers in the realm of life insurance distribution.

Drawing from our extensive experience of assisting carriers in online sales for the past 15 years, we have gained valuable insights and best practices that we knew could help. 

A recurring concern expressed by our software customers is the struggle faced by insurance companies in expanding new channels, particularly partnerships with other carriers or distributors. In the ever-evolving life insurance industry, carriers are confronted with both challenges and opportunities as competition intensifies and consumer expectations rise. To maintain competitiveness, carriers are increasingly exploring strategic distribution partnerships to expand their market reach, diversify product offerings, and drive revenue growth.

During the presentation, our CEO, Roddy Awad, was joined by Pierre Martin, Associate Vice President of Partnerships and Digital Distribution at Assumption Life, a long-standing partner of Lavvi. Together, Roddy and Pierre shared lessons learned, common pitfalls, and best practices for successful collaboration and maximizing distribution return on investment (ROI). In this blog post, we aim to summarize those insights.

Steps to Planning Strategic Distribution Partnerships 

Creating a successful distribution partnership strategy requires a comprehensive understanding of your business environment, clear objectives, and a well-defined roadmap. In this blog post, we will guide you through a step-by-step process to develop a robust distribution partnership strategy that aligns with your goals and maximizes your chances of success.

Step 1: Assessing the Current Landscape

Begin by evaluating your distribution channels, internal resources, and product offerings. Analyze market trends, competitive landscape, and customer behavior to identify potential opportunities and areas for improvement. Understanding your current landscape is crucial for building a solid foundation for your strategy.

Step 2: Defining Distribution Objectives and Goals

Establish clear objectives and goals that align with your overall business objectives. Define target market segments, market positioning, and financial targets. Seek buy-in from key stakeholders to ensure alignment and commitment to the strategy.

Step 3: Developing a Business Case for Partnership Strategy

Build a compelling business case that justifies the investment in the partnership. Demonstrate the incremental revenue potential, cost savings, enhanced customer acquisition and retention, and market expansion opportunities. Consider qualitative factors such as reputation, culture fit, and potential for growth.

Step 4: Develop a Distribution Channel Strategy

Develop a comprehensive distribution channel strategy that encompasses both direct and indirect channels. Prioritize channels based on their impact and investment requirements. Consider strategic partnerships with InsurTech companies and other carriers to extend your reach and provide unique value propositions.

Step 5: Building Partner Selection Criteria and Processes

Establish a structured process for selecting partners. Identify potential partner segments and define selection criteria based on market reach, technical capabilities, brand alignment, collaboration potential, financial stability, cultural fit, and track record. Create a selection criteria matrix to evaluate potential partners objectively.

Step 6: Go-to-Market Planning

Define your go-to-market approach, including product offerings, pricing strategy, marketing activities, sales processes, and compensation strategy. Ensure alignment with your partner’s capabilities and customer preferences. Continuously refine your go-to-market strategy based on market insights and customer feedback.

Step 7: Consider Systems and Process Integration

Ensure effective integration of systems, processes, and workflows with your partner. Identify key systems and processes that require integration and work towards a seamless collaboration. Seek assistance from experts if needed and provide adequate training and support to ensure smooth operations.

Step 8: Establish Performance Measurement and Management

Establish key performance indicators (KPIs) aligned with your objectives.

Step 8: Establish Performance Measurement and Management

Establish key performance indicators (KPIs) aligned with your objectives. Set up an executive steering committee for regular monitoring and evaluation. Use data-driven insights to optimize your strategy and drive continuous improvement. Maintain a feedback mechanism and conduct performance reviews periodically.

Step 9: Integrate Risk Management and Compliance

Identify potential risks associated with the partnership and develop a comprehensive risk management strategy. Ensure compliance with regulatory requirements and integrate risk management into your partnership agreement.

Conclusion

Building an effective distribution partnership strategy requires a systematic and thorough approach. By following the steps outlined above, you can equip your organization to leverage new channel opportunities and gain a competitive advantage in the market. 

Want to learn more details about how to maximize your partnership distribution strategy? Download the full guide below. 

Download the Guide (pdf)