In late 2000 and 2001 the insurance industry faced monumental legal and environmental challenges. As a result, LOTS’ management developed its “Pivot” and “Hammer” strategy identifying both defensive (Pivot) and offensive (Hammer) components of its operations that could be exploited given the dynamics of the marketplace.
 
The “Pivot” or defensive component anticipates that LOTS will maintain a leadership position as a credit insurer in selected market segments with its core product base; credit life and disability, and property. The Company has and remains to be a reliable and consistent source of these and other products for its targeted market segments; finance companies, regional and community banks and auto dealerships.

On the offensive (“Hammer”), the Company is targeting and capturing new debt protection and other insurance related business through its administration, debt cancellation and mass marketing operations. The hallmark of these operations is a proprietary technology that differentiates LOTS from the competition. This technology seamlessly integrates and coordinates data transfers between consumers or financial institutions and their processors, insurers and administrators. This technology has been selected by banks, credit card issuers and insurers because of its speed to market and its effectiveness to optimize operating efficiency, reduce cost, and manage risk and mass market debt protection.