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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    Patrick McKenzie‏ @patio11 8 Jun 2019
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    Somebody is going to Dollar Shave Club term life insurance.

    2:11 PM - 8 Jun 2019
    • 8 Retweets
    • 99 Likes
    • Spencer Whittaker teddy Kirk Banks Jason Estey Michael Waxman Vinay Bhamre Paul Devine Michelle B Robin Gainer
    12 replies 8 retweets 99 likes
      1. New conversation
      2. Patrick McKenzie‏ @patio11 8 Jun 2019
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        The underlying product is, basically, almost perfect. The distribution for it is terrible. The winner won't be the company with the best underwriting or widest range of insurable health histories, it will be the one that has people play their commercials to their friends.

        8 replies 0 retweets 34 likes
        Show this thread
      3. Patrick McKenzie‏ @patio11 8 Jun 2019
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        Substantially every state has a regulatory regime where we pretend that insurance is complicated and can only be understood by the guild of commissioned sales agents, and the guild pretends it gives good advice.

        4 replies 1 retweet 42 likes
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      4. Patrick McKenzie‏ @patio11 8 Jun 2019
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        "This sounds like it will be a regulatory slog." It certainly will be, but I'll bet you that schlep blindness applies here, and the winner is going to be the firm that learns that "All changes in marketing must be shown to the regulatory agency before running" means:

        1 reply 2 retweets 24 likes
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      5. Patrick McKenzie‏ @patio11 8 Jun 2019
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        "Got it, we're going to hook up a pre-deploy script to render the website locally, export to PDF, and fax to a list of phone numbers every time we do so much as correct a typo, and then NEVER THINK ABOUT THIS AGAIN."

        1 reply 1 retweet 48 likes
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      6. Patrick McKenzie‏ @patio11 8 Jun 2019
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        Software people are too scared of having to employ a Compliance Department.

        8 replies 5 retweets 53 likes
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      7. End of conversation
      1. New conversation
      2. Tristan Harward‏ @trisweb 8 Jun 2019
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        Replying to @patio11

        I feel like I’ve seen an ad for this...

        1 reply 0 retweets 0 likes
      3. Patrick McKenzie‏ @patio11 8 Jun 2019
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        Replying to @trisweb

        The general rule here: If you feel like you've seen an ad for Dollar Shave Club but you don't remember Dollar Shave Club then you haven't seen an ad for Dollar Shave Club.

        1 reply 0 retweets 12 likes
      4. 1 more reply
      1. New conversation
      2. Jason Evanish‏ @Evanish 8 Jun 2019
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        Replying to @patio11

        There are a cluster of them here in NYC trying to crack a variety of insuretech markets including life insurance

        1 reply 0 retweets 3 likes
      3. Paul Frazier‏ @pfrazier 8 Jun 2019
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        Replying to @Evanish @patio11

        I sure hope so. Still have to deal with brokers even when going though a startup like @healthiqinsure. What I want is a way to easily shop rates. Things are still very old school hard sales.

        1 reply 0 retweets 1 like
      4. 3 more replies
      1. Matt Lavallee‏ @mattlavallee 8 Jun 2019
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        Replying to @patio11

        I think you mean @Policygenius https://mixergy.com/interviews/policygenius-with-jennifer-fitzgerald/ … (Jennifer Fitzgerald's Interview with @Mixergy )

        0 replies 0 retweets 2 likes
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