Insurance Nerds - Insuring Tomorrow

Applying David Kantor’s Heroic Modes to Leadership in Insurance

Written by Nicholas Lamparelli | Jan 19, 2026 5:01:33 PM

Executive Summary

David Kantor’s Heroic Modes model offers a compelling lens to understand leadership behaviors and decision-making styles across organizations. This model identifies three dominant modes: Fixers, Survivors, and Protectors, that leaders instinctively adopt, each with productive and potentially destructive expressions. For insurance professionals, understanding these modes is essential to navigating complex strategic challenges, managing diverse leadership teams, and driving sustainable growth.

In the insurance industry, where risk mitigation, regulatory compliance, and customer trust are paramount, appreciating the interplay of these heroic modes can enhance how companies respond to market disruptions, technological change, and evolving client needs. This article distills key insights from Roger Martin’s analysis of Kantor’s model and explores practical applications for insurance executives, agents, and underwriters aiming to optimize organizational effectiveness and strategic execution. For the original insights, see Roger Martin’s article on Medium.

Key Insights

  • The Fixer Mode: Driving Change and Problem Resolution
    Fixers are natural problem-solvers who thrive on overcoming obstacles and driving results. In insurance, fixer leaders push for innovations such as digital transformation, claims process automation, or aggressive market expansion. Their strength lies in decisive action and achieving measurable outcomes. However, overemphasis on fixing can lead to burnout among staff or alienate colleagues, particularly if change is imposed without empathy.
  • The Survivor Mode: Endurance and Perseverance in Adversity
    Survivors embody resilience, maintaining stability through market downturns, regulatory uncertainty, or internal crises. Insurance professionals with this mode excel in crisis management and maintaining core operations under pressure. Yet, survivors may resist proactive change initiatives or strategic innovation, preferring to endure rather than disrupt established processes.
  • The Protector Mode: Guarding Stakeholders and Mitigating Harm
    Protectors prioritize the welfare of people impacted by decisions, including employees, customers, and partners. In insurance, protectors advocate for ethical underwriting, customer fairness, and regulatory compliance, often voicing caution against risky ventures. While their vigilance supports trust and reputation, protectors can sometimes hinder necessary strategic pivots by overemphasizing risk avoidance.
  • Leadership Diversity and Team Dynamics
    Successful insurance organizations benefit from a balanced mix of these modes within their leadership teams. Fixer-dominant CEOs can drive growth but must effectively engage survivor and protector colleagues to avoid internal friction. Survivor leaders provide stability but require encouragement to embrace strategic change. Protector leaders ensure ethical standards but need support to prevent scope creep or stagnation.
  • Strategic Implications for Insurance
    The model underscores the importance of tailoring communication and decision-making approaches based on the dominant modes of team members. For example, fixers should temper directive tendencies to avoid alienating protectors concerned about stakeholder impact. Survivors need assurance that change initiatives will not destabilize core operations. Recognizing these dynamics can improve collaboration and accelerate strategic implementation.

Insurance Industry Applications

  • Executive Leadership Development: Insurance companies can incorporate Kantor’s Heroic Modes framework into leadership training to enhance self-awareness and interpersonal effectiveness. For instance, a CEO with a fixer orientation can learn to better engage protector-minded compliance officers and survivor-oriented claims managers, fostering a more cohesive executive team.
  • Change Management in Underwriting and Claims: When implementing new underwriting guidelines or claims technologies, understanding these modes helps anticipate resistance. Protectors may raise valid concerns about customer impact, survivors may prefer to maintain existing workflows, while fixers will focus on rapid adoption and problem-solving. Tailored messaging that respects these perspectives can minimize pushback.
  • Risk Assessment and Product Development: Protector modes serve as crucial checks against excessive risk-taking in product innovation, ensuring regulatory and ethical considerations are not overlooked. Fixers drive development of innovative insurance products to capture new markets, while survivors ensure operational resilience during product rollouts.
  • Customer Relationship Management: Agents and customer service leaders who recognize their own and clients’ heroic modes can better manage expectations and communication styles. For example, a protector-oriented agent may emphasize client security and long-term protection, while a fixer agent may focus on quick solutions and closing sales.
  • Board Composition and Governance: Insurance boards can be structured to include a balanced representation of heroic modes, combining fixers’ strategic vision, survivors’ operational steadiness, and protectors’ governance vigilance to ensure comprehensive oversight.

Conclusion and Recommendations

David Kantor’s Heroic Modes model offers insurance professionals a valuable framework for understanding leadership behaviors and managing strategic challenges. Insurance firms should leverage this model to build leadership teams that balance driving change, enduring adversity, and protecting stakeholders. By fostering awareness of these modes, insurance executives can improve communication, reduce internal conflict, and enhance strategic agility.

Leaders are encouraged to assess their own dominant modes and those of their teams, adapting their approaches to maximize effectiveness. Fixers should cultivate empathy and patience to avoid alienating protectors and survivors. Survivors should be encouraged to engage more actively in strategic innovation, while protectors must balance caution with openness to change. Ultimately, embracing this nuanced understanding will equip insurance organizations to thrive amid evolving industry demands.

For a deeper exploration of these concepts, read the full article by Roger Martin at https://rogermartin.medium.com/heroic-modes-strategy-9406762908d2.

Original Source: https://rogermartin.medium.com/heroic-modes-strategy-9406762908d2