The insurance industry is stable and secure globally, particularly in Australia. It’s well-developed and backed by fair regulations, making insurance a good deal for insurers and policyholders. And with a growing population and new aspects of life and businesses that companies can insure, insurers can expect to go through life working in a very lucrative industry.

Customer reward programs are popular with today’s consumers. In fact, a survey commissioned by Hawk Incentives, a division of Blackhawk Network and a leading provider of rewards and incentives to organizations across the globe, found that the average American adult belongs to 6.2 such programs. That number was even higher for consumers in the Millennial generation at 6.5 on average.

We recently spoke with Theresa McEndree, the company’s Vice President of Marketing, to learn more about Hawk Incentives’ reward program services and survey insights as well as how RewardExpert readers can design effective loyalty programs for their own businesses.