{"id":2390,"date":"2017-11-02T20:08:31","date_gmt":"2017-11-02T20:08:31","guid":{"rendered":"https:\/\/microinsurancemaster.org\/?p=2390"},"modified":"2018-09-26T10:51:31","modified_gmt":"2018-09-26T10:51:31","slug":"no-more-business-plans","status":"publish","type":"post","link":"https:\/\/microinsurancemaster.org\/no-more-business-plans\/","title":{"rendered":"Never Write Another Business Plan Again\u2026"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2390\" class=\"elementor elementor-2390 elementor-bc-flex-widget\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-rp6xarf margin_top1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"rp6xarf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-mgt5dbe\" data-id=\"mgt5dbe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8p0ry0 elementor-widget elementor-widget-spacer\" data-id=\"b8p0ry0\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7vmg3r main-article-title elementor-widget elementor-widget-heading\" data-id=\"f7vmg3r\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Never Write Another Business Plan Again\u2026\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1qdh6bw elementor-widget elementor-widget-image\" data-id=\"1qdh6bw\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"3072\" height=\"1623\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/no-more-businessplans.jpg\" class=\"attachment-full size-full wp-image-2392\" alt=\"no more business plans\" srcset=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/no-more-businessplans.jpg 3072w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/no-more-businessplans-300x158.jpg 300w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/no-more-businessplans-768x406.jpg 768w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/no-more-businessplans-1024x541.jpg 1024w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/no-more-businessplans-350x185.jpg 350w\" sizes=\"(max-width: 3072px) 100vw, 3072px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-s093rgq margin_top1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"s093rgq\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b161vvw\" data-id=\"b161vvw\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19fx7ha elementor-widget elementor-widget-spacer\" data-id=\"19fx7ha\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-jeck9na elementor-widget elementor-widget-text-editor\" data-id=\"jeck9na\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Imagine never again having to write a business plan!\u00a0<\/span><span style=\"font-weight: 400;\">This is likely music to the ears of any microinsurance manager. In fact, for just about <\/span><i><span style=\"font-weight: 400;\">any <\/span><\/i><span style=\"font-weight: 400;\">manager.\u00a0<\/span><span style=\"font-weight: 400;\">Just think of the countless lost hours, evenings, and weekends you spent working on business plans. \u00a0But you can stop doing that now\u2026<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ujx9qci elementor-widget elementor-widget-spacer\" data-id=\"ujx9qci\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ontfh9q elementor-widget elementor-widget-heading\" data-id=\"ontfh9q\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">What\u2019s wrong with the business plan?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-lbsx4gm elementor-widget elementor-widget-text-editor\" data-id=\"lbsx4gm\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The academic and entrepreneur, Steve Blank, has been one of the main figureheads of the lean startup methodology.\u00a0<\/span><span style=\"font-weight: 400;\">He explains the problems with business plans for new companies really succinctly:<\/span><\/p><blockquote><p><span style=\"font-size: 12pt; font-family: 'Andale Mono', Times;\"><i><span style=\"font-weight: 400;\">\u201cThe business plan is a wonderful document for organizing and planning for existing companies to launch follow-on products. In an existing corporation, the business plan is the execution document for sustaining innovation.<\/span><\/i><\/span><\/p><p><span style=\"font-size: 12pt; font-family: 'Andale Mono', Times;\"><i><span style=\"font-weight: 400;\">The problem is that once a plan is written it\u2019s static and assumes minimal new learning. This makes sense in a company where your customers, channel and competition are known. And your revenue plan is something more than a hallucination. \u00a0<\/span><\/i><\/span><\/p><p><span style=\"font-size: 12pt; font-family: 'Andale Mono', Times;\"><i><span style=\"font-weight: 400;\">But for startups, business plans fail to match the chaotic reality they encounter in the real world.\u201d<\/span><\/i><\/span><\/p><p><span style=\"font-size: 8pt; font-family: 'Andale Mono', Times;\"><span style=\"font-weight: 400;\">Who Dares Wins \u2013 The 2nd Annual International Business Model Competition<\/span><span style=\"font-weight: 400;\">,\u00a0<\/span><span style=\"font-weight: 400;\">Steve Blank, 2012<\/span><\/span><\/p><\/blockquote><p><span style=\"font-weight: 400;\">He adds:<\/span><\/p><blockquote><p><span style=\"font-family: 'Andale Mono', Times; font-size: 12pt;\"><i><span style=\"font-weight: 400;\">\u201cThe search for a business model requires dramatically different rules, roadmaps, skill sets, and tools in order to minimize risk and optimize chances for success.\u201d<\/span><\/i><\/span><\/p><p><span style=\"font-family: 'Andale Mono', Times;\"><span style=\"font-weight: 400; font-size: 8pt;\">The Startup Owner&#8217;s Manual: The Step-by-Step Guide for Building a Great Company (p. xiv)&#8230;\u00a0<\/span><span style=\"font-weight: 400; font-size: 8pt;\">Steve Blank, 2012.<\/span><\/span><\/p><\/blockquote>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-itffyh0 elementor-widget elementor-widget-text-editor\" data-id=\"itffyh0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Steve Blank&#8217;s argument applies closely to most microinsurance projects. There are just too many unknowns when you start out to be able to accurately cement your ideas in a 5-year plan.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aogh5b3 elementor-widget elementor-widget-spacer\" data-id=\"aogh5b3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-lockc07 elementor-widget elementor-widget-heading\" data-id=\"lockc07\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">The business model canvas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5prleyv elementor-widget elementor-widget-text-editor\" data-id=\"5prleyv\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Enter the <i>business model canvas<\/i>.\u00a0 This is a one-page alternative to the business plan that has been adopted by millions of startups, from Silicon Valley disruptors to socially driven ventures worldwide.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1o88o2v elementor-widget elementor-widget-image\" data-id=\"1o88o2v\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"526\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/business-model-canvas-768x526.jpg\" class=\"attachment-medium_large size-medium_large wp-image-2393\" alt=\"business model canvas\" srcset=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/business-model-canvas-768x526.jpg 768w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/business-model-canvas-300x205.jpg 300w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/business-model-canvas-1024x701.jpg 1024w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/business-model-canvas-350x240.jpg 350w, https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2017\/11\/business-model-canvas.jpg 1372w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8kkswwl elementor-widget elementor-widget-text-editor\" data-id=\"8kkswwl\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It is a template containing nine \u2018building blocks\u2019 that describe your business. You need customers, a product or service that is your value proposition, distribution channels, and so forth. <\/span><\/p><p><span style=\"font-weight: 400;\">For each block, you develop your assumptions. At the early stages of a business, these are recognised as no more than educated guesses. <\/span><\/p><p><span style=\"font-weight: 400;\">Through tests and iterations, you can update your assumptions to the point that they are all validated in your business model canvas. You then have a working business model. <\/span><\/p><p><span style=\"font-weight: 400;\">Such a flexible model is clearly better adapted for the early stages of a business than a rigid business plan.<\/span><\/p><p><span style=\"font-weight: 400;\">The business model canvas is also a great fit for customer-centric approaches, as it allows you to craft your entire business around the customer needs.<\/span><\/p><p><span style=\"font-weight: 400;\">You can learn more about the business model canvas and how to apply it in two excellent online courses: Steve Blank&#8217;s<\/span> <strong><a href=\"https:\/\/www.udacity.com\/course\/how-to-build-a-startup--ep245\" target=\"_blank\" rel=\"noopener\">How to build a startup<\/a><\/strong><span style=\"font-weight: 400;\"> and Acumen Plus<strong>&#8216;<\/strong><\/span><strong><a href=\"http:\/\/www.plusacumen.org\/courses\/lean-for-social-impact\" target=\"_blank\" rel=\"noopener\"> Lean Startup Principles for the Social Sector<\/a>.<\/strong><\/p><p><span style=\"font-weight: 400;\">If you want to learn and experience how the business model canvas specifically works for microinsurance, <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/microinsurancemaster.org\/programme\/\">apply for the Microinsurance Master leadership programme<\/a>.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ejj16z2 elementor-widget elementor-widget-spacer\" data-id=\"ejj16z2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Imagine never again having to write a business plan! There are just too many unknowns when you start out to be able to accurately cement your ideas in a 5-year plan.<\/p>\n","protected":false},"author":1,"featured_media":2392,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Never Write Another Business Plan Again\u2026 - Microinsurance Master<\/title>\n<meta name=\"description\" content=\"Lorenzo Chan Jr. is President of Pioneer Insurance Group. 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