Convenient Insurance will be the newest and brightest independent insurance agency to The Woodlands, (Northern Houston), Texas. The level of material culture can aid in developing products for individual markets. For companies selling industrial goods, such as General Electric, this can provide a convenient starting point. In developing countries demand may be highest for basic may be more in demand. Technologic advances have probably been the major cause of cultural change in many countries. The increase in leisure time so characteristic in Western cultures has been a direct result of technologic development. With technologic advancement comes also cultural convergence. Black and white television sets extensively penetrated U.S. households more than 10 years before similar levels occurred in Europe and Japan. With color television the lag was reduced to 5 years. With videocassette recorders the difference was only 3 years, but this time the Europeans and the Japanese led the way while the United States was concentrating on cable systems. With the compact disk penetration rates were equal in only 1 year. Today with MTV available by satellite across Europe no lag exists18.
Convenient Insurance will utilize a product differentiation strategy. Through this type of strategy Convenient Insurance will focus its efforts on holding itself apart from its peers through its broad selection of products and services delivered professionally by Certified Financial Analysts. The agents will only sell services that are needs based. This will eliminate wasteful and (expensive) business management insurance products and the customer can feel comfortable knowing that his choice to purchase insurance was well worth it. (Unlike their peers, Convenient Insurance will avoid â€˜scare’ tactics, which â€˜scare’ customers into purchasing excessive, wasteful and expensive insurance products because an overly aggressive agent needed the policy to meet his monthly quota requirements).
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