iiinova — where your digital self keeps evolving

Pat West @hedgequote.bsky.social · 12/02/2025

This could be a post about early stage insurtech if you want it to be.

Pat West @hedgequote.bsky.social · 03/02/2025

Push the state Universities in Illinois with law schools to offer online JD programs and you'll get this inside of the next 5-7 years.

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Pat West @hedgequote.bsky.social · 30/01/2025

Mine has depreciated so poorly that I am giving it to my twins when they turn 16 as a starter vehicle. I'm disappointed and on top of this they build Rivians in Illinois, USA.

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Pat West @hedgequote.bsky.social · 26/01/2025

Hiked over to one of the greatest Insurance Campuses in the World this morning.

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Pat West @hedgequote.bsky.social · 20/01/2025

This happens daily in the insurance industry. A lot of folks don't actually know how to communicate - they just sell fear and whataboutisms. Good for you - delete away!

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Pat West @hedgequote.bsky.social · 05/01/2025

The "don't go to college" grifters seem to truly underestimate what it takes to actually be in a position to drop out of Harvard.

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Pat West @hedgequote.bsky.social · 30/12/2024

Insurtech struggles with product velocity at a level I've never seen in any other Industry. The number of dead on arrival products is embarrassing.

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Pat West @hedgequote.bsky.social · 10/12/2024

Starting to wonder if my generation has the incentive to innovate vs replicate. They redid Top Gun, now Happy Gilmore, the Tyson/Paul fight and not that I'm mad but are we more successful fixing than inventing?

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Pat West @hedgequote.bsky.social · 09/12/2024

Generally speaking and as it sits now, it's a buyers market. JMO but building unless it's part of your core revenue (you're planning to sell the tech) adds too much overhead. Most tech is super affordable.

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Pat West @hedgequote.bsky.social · 09/12/2024

It's like the tiktoks in offices that look and sound like frat houses and sell IUL.

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Pat West @hedgequote.bsky.social · 08/12/2024

Good point! Your journey is definitely what I was getting at 🙌

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Pat West @hedgequote.bsky.social · 08/12/2024

I'll never understand why people start businesses before they have customers. Especially consultants. At the very least ask people if they'd do business with you before you spend $10k on a brand.

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Pat West @hedgequote.bsky.social · 05/12/2024

The 10 year agency plan nobody tells you about: Northwestern Mutual Intern for a summer -> State Farm Agency Team Member for 2 years -> Independent Agency Owner 5 yrs -> Exit to P/E -> Earn Out 3 years-> Repeat

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Pat West @hedgequote.bsky.social · 04/12/2024

X has no audience. Everyone making statements. Nobody discussing, just non stop reacting.

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Pat West @hedgequote.bsky.social · 02/12/2024

My jokes about AMS systems get funnier if you know where I grew up. It's like making fun of State Farm in Bloomington.

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Pat West @hedgequote.bsky.social · 27/11/2024

It's new insurance commercial season... I mean college basketball is starting.

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Pat West @hedgequote.bsky.social · 26/11/2024

Agents need more revenue and policyholders need more coverage. Home warranty add-ons to homeowners policies makes more sense than damn near every insurtech out here combined.

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Pat West @hedgequote.bsky.social · 25/11/2024

The sneakiest insurance players are loading up on cross-sell. Embedded is about as broad as insurtech but growing LTV, especially in personal lines is wide open.

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Pat West @hedgequote.bsky.social · 24/11/2024