1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Chuck Sutton Chuck Sutton is director, product management, Life & Annuity Solutions, for CUNA Mutual Group, the leading provider of insurance and financial services to credit unions and their members. In this … Web: www.cunamutual.com Details Life insurance offers a unique opportunity for credit unions to offer a service that may strengthen long-term relationships with members, while also helping improve their financial futures.But as technology continues to influence consumer expectations for ease and simplicity—think Amazon and Netflix—life insurance has some work to do. It needs to be easy for all consumers to understand, compare, access, purchase and service.The following consumer trends give us insight into how we can better provide options that meet evolving member expectations, ensuring you’re there for your members—now and for many years to come. Changing demographics. In the past five years, the multicultural member population at credit unions has grown 61 percent. This population is primarily composed of millennials or younger, and we know these consumers prefer digital tools and mobile apps.1Fast, intuitive digital experiences are vital for attracting and engaging this shifting member base, but that doesn’t mean it will be at the cost of your older members. All generations are looking for web-based solutions. In fact, 45 percent of seniors say they’ve visited the website of a life insurance company, and 36 percent say they’ve used search engines to find life insurance information.2 As this group ages, many will look for fast and easy options to cover their life insurance needs.Massive shift to the web and mobile. In 2017, 55 percent of consumers visited a life insurance provider’s website, and 52 percent used a search engine to find information on life insurance.2 Considering that almost four out of every five U.S. adults now owns a smartphone, it’s no surprise that web and mobile use is the norm.3Additionally, throughout their purchasing journey, consumers now switch between smartphones, laptops and tablets. Most start on their phone but complete their transaction through a different device or channel.4Choosing a provider with strong search engine optimization (SEO) practices and a streamlined transition between devices may enhance your presence online––helping position you as a leader in the industry. Demand for simplified purchase processes. In the age of Amazon, consumers expect every buying experience to be fast and simple. And because the average attention span is now just eight seconds, it’s harder than ever to captivate consumers.5With 10,000 brands vying for consumers’ attention each day, only those who offer simplified purchase processes will stand out.6 That means making the whole experience easy––from researching, to purchasing, to servicing. If you don’t have what consumers are looking for online, they’ll simply go somewhere else. The reason doesn’t matter.The need for life insurance for nontraditional reasons is growing. 52 percent of consumers are using life insurance to supplement retirement income and 54 percent plan to use it to pay off their mortgage.7But what hasn’t changed over the years is that most adults are either un- or under-insured. So, when one in three people admits they simply don’t have enough life insurance overall, it’s time to take a step back and think about what barriers are preventing your members from getting the coverage they need.7Download our report at cunamutual.com/lifematters to discover ways to help simplify the complex life insurance process and better serve all consumers.SOURCESCUNA Mutual Group, What Matters Now: Insights from Multicultural Consumers, 2018CUNA Mutual Group, Acxiom overlay data on race and ethnicity, December, 2017.PEW Research Center, “Mobile Fact Sheet,” February 5, 2018. SnapApp, “What is Multichannel Marketing: An A-Z Guide (with Strategies & Examples),” February 13, 2018.Cision, “Brands, Here’s How to Captivate Consumers in the Age of Distraction,” May 2017.American Marketing Association, “Why Your Customers’ Attention is the Scarcest Resource in 2017,” 2018.Life Happens, “2017 Insurance Barometer Study.” 2017CORP-2215783.1-0818-0920© CUNA Mutual Group, 2018
TOWN OF DICKINSON (WBNG) — With the pandemic getting in the way of special events this year, organizers of Spiedie Fest say they are working with the constant changes throughout the crisis. “The Southern Tier has been through a lot. We’ve all gotten through troubled times and we’re going to get through this as whole together as well,” said Pessagno. Spiedie Fest was set to celebrate its 36th year at Otsiningo Park this August. However, organizers say it could be different this summer. “We can see what it’s like in five months,” said Pessagno. “Spiedie Fest is a hug economic impact for our area as well, so I’ve always wanted to try it when the SUNY kids are back.” He says they will be keeping people’s safety in mind, even if the festival is much different with people having to practice social distancing and organizers providing hand-washing stations. Pessagno says if they were to hold it in September, it would not interfere with LUMA’s dates. As for the concert, he says they had artists lined up for the music, but will have to look it over again, since most performers’ schedules are changing. Pessagno says he plans to go over the plans with Broome County officials and the planning board to make sure they sort through every option they have. Event coordinator, Dave Pessagno, has been involved in the festival since its beginning and says it’s sad to see events like this and Strawberry Festival change because of the pandemic. He says the biggest thing they are looking to move the dates to September, so they can better predict what is going to happen.
SUBSCRIBE TO US First Published: 16th August, 2020 09:34 IST Last Updated: 16th August, 2020 09:34 IST A’s Do It Again: Canha’s 3-run HR In 9th Beats Giants 7-6 Mark Canha hit a go-ahead, three-run homer with two outs in the ninth inning and the Oakland Athletics rallied late for the second straight game, slugging past the San Francisco Giants 7-6 on Saturday night FOLLOW US WATCH US LIVE COMMENT Written By LIVE TV Associated Press Television News Mark Canha hit a go-ahead, three-run homer with two outs in the ninth inning and the Oakland Athletics rallied late for the second straight game, slugging past the San Francisco Giants 7-6 on Saturday night.A night earlier, Oakland rallied from a 7-2 deficit to win 8-7 in 10 innings after Stephen Piscotty’s tying grand slam in the ninth. The A’s are an AL-best 15-6 and have a three-game winning streak.The A’s quickly are making a habit of dramatic finishes — they’ve already had two walkoff grand slams.Marcus Semien hit a two-run homer and Matt Olson also connected for the A’s, who won for the 12th time in 14 games.Darin Ruf put San Francisco ahead 6-3 with a three-run shot in the seventh before the bullpen squandered it again.Trevor Gott (1-1) surrendered Sean Murphy’s leadoff homer in the ninth that started the latest A’s rally and a one-out double to Tony Kemp before walking Matt Olson, bringing up Canha.T.J. McFarland (2-0) recorded the final out of the eighth for the victory before Liam Hendriks closed it out for the second straight game and his seventh save.Giants starter Kevin Gausman struck out a career-high 11 over 5 2/3 innings. It marked his fourth double-digit strikeout game and first since April 17, 2019, against Arizona while with the Braves.Mike Yastrzemski hit a two-run triple in the fourth before scoring on shortstop Semien’s wild throw past Gold Glove third baseman Matt Chapman.Olson tied it in the sixth. Of his seven hits in 43 at-bats over his last 11 games all of those have cleared the fences.Left-hander Sean Manaea started a day earlier than scheduled for Oakland but is still searching for his first victory of 2020. He went 4-0 last September upon returning from shoulder surgery before losing the AL wild-card game to Tampa Bay.SPECIAL MOMENTA’s infield prospect Vimael Machin, the deisgnated hitter as Khris Davis got most of the day off, singled leading off the third for his first major league hit. He scored on Semien’s homer.MANAEA BY THE NUMBERSManaea reached five innings for the first time over his initial five starts and his first outing not surrendering four or more runs.That such streak of not getting through the fifth and giving up at least four runs was the second-longest to begin a season in A’s history — with the only longer stretch being five by Rick Langford in 1983.Manaea has allowed 20 runs so far.TRAINER’S ROOMAthletics: RHP opening day starter Frankie Montas was scheduled to play catch a day after he woke up with the stiffness in his back and lower neck and was scratched from his scheduled start. While he was better, manager Bob Melvin said it wasn’t worth pushing him and Montas would likely throw off a mound before pitching again — “Tuesday at the earliest” in Arizona, Melvin said. … LHP A.J. Puk, on the injured list and yet to appear this season because of a strained pitching shoulder, threw a 20-pitch bullpen Friday and is set for a 30-pitch session Monday. “They have it all mapped out,” Melvin said.Giants: OF Austin Slater returned to the lineup leading off as the designated hitter after missing the previous two games with a strained right elbow.UP NEXTRHP Logan Webb (1-1, 2.81 ERA) pitches the series finale for San Francisco opposite A’s RHP Mike Fiers (1-1, 6.86).Image credits: AP