For Zurich Kemper Life, non- traditional sales channels have sparked extensive change in our business. Instead of using insurance agents exclusively to sell products, we now use brokers, banks and even the Web to reach customers. As a result, we recently reorganized the company into four Strategic Business Units (SBUs) focused on specific customers and sales channels. We now need to track sales performance by SBU, not only to help us understand how well products move through the various channels, but also to help the SBUs meet their business plans. This need to use yesterday's business data for today's decisions led to the data warehouse. Zurich Kemper Life, a subsidiary of Zurich Insurance, develops and sells life insurance and annuity products in the United States. Zurich Insurance was founded in Zurich, Switzerland in 1872. Over the past 125 years, the Zurich Group has built an organization that holds high financial ratings and operates subsidiaries and branches in 49 countries, along with cooperative partnerships in some 40 additional markets. The Zurich Group offers customers global coverage in all lines of insurance (property/casualty, life, reinsurance) and asset management services.

We chose an enterprise approach mainly because we were skeptical about the value of data marts. Our concern was that marts would proliferate and we'd have a problem trying to get a single version of the truth. If you take a long-term view of your business, data marts may not really be appropriate. Building enterprise wide at an atomic level still allows us to build data marts later.

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