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Insurance Interview Coach

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Structured Problem Solving
Practitioner
Stakeholder Influence
Apprentice
AI Delegation
Apprentice

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Deeply Researched

Every session is built around news, trends, earnings calls, and ideas shaping your profession today

State Farm announced it would not renew 30,000 homeowners policies in California in 2023...

State Farm
INTERVIEW

State Farm

Progressive Insurance's combined ratio was 94.1% in 2023 vs. Allstate's 105.5% — a 11.4...

Progressive
INTERVIEW

Progressive

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Interview Simulations

Mock interviews with sharp, realistic AI interviewer personas, interactives and exhibits

Framework
Main Branch
Is the loss ratio driving the deterioration?
Level 1
Has claims frequency increased?
Level 2
Auto claims frequency: +14% YoY, driven by distracted driving uptick
Level 2
Property claims: +22% from 3 consecutive above-average cat seasons
Level 1
Has claims severity worsened?
Level 2
Average auto claim severity: $4,800 → $6,100 (+27%) due to parts inflation
Level 2
Litigation rate on bodily injury claims: 18% → 26%, driving avg settlement +35%
Main Branch
Is the expense ratio contributing?
Level 1
Are acquisition costs excessive?
Level 2
Commission ratio: 16.2% vs. industry benchmark 13.8%
Level 2
Direct-to-consumer channel: only 11% of new policies vs. 34% industry avg
Level 1
Are operating expenses bloated?
Level 2
Claims processing cost per claim: $1,240 vs. $780 for top-quartile peers
Level 2
Legacy systems: 40% of IT spend on mainframe maintenance
Main Branch
Are reserves adequately set?
Level 1
Are prior-year reserves developing adversely?
Level 2
Prior-year reserve strengthening: $47M in last 2 years (3.1pp combined ratio impact)
Level 2
Long-tail liability lines: 72% of adverse development
Level 1
Is rate adequacy keeping pace with loss trends?
Level 2
Rate increases filed: +8% avg; loss trend: +15% — 7pp gap widening
Level 2
Regulatory approval lag: 4-9 months in top-5 states by premium volume

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Sharpen Your Judgment

Get pressure-tested on which problems matter, which questions to ask, and how to prioritize

Progressive's lower combined ratio is just because they target better drivers — they cherry-pick risks.

Thinking
AssessThe candidate is attributing Progressive's outperformance entirely to risk selection (adverse selection avoidance) without considering the structural cost advantages that persist even on identical risk pools.
LocateProgressive has multiple structural advantages: telematics (Snapshot) for post-enrollment risk selection, direct distribution (lower acquisition cost vs. agent carriers), and claims management technology that reduces loss adjustment expense. The combined ratio advantage reflects all of these, not just risk selection.
DecidePush back on the single-cause attribution. Separate the loss ratio advantage (risk selection + telematics) from the expense ratio advantage (direct distribution) to show the full competitive picture.
Risk selection is one factor, but Progressive also has a structural claims cost advantage. How does their Snapshot telematics program affect adverse selection in their customer base, and separately, what does their direct distribution model do to expense ratio vs. agency-distributed competitors?

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Tailored Debriefs

Know exactly where you stand on every skill that matters — after every session

Underwriting Analysis
Strong
Insurance Economics
Distinctive
Competitive Dynamics
Meeting Bar
Strategic Constraints
Developing

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