Podcasts about embedded insurance

Hello! Send us a quick text, comment or feedback. We would love to hear from youWe're continuing in the year with an insightful discussion featuring two leading voices in the #InsurTech space speaking on the State of Insurance & Innovation on the African Continent.Rahab Kariuki, Engagement Director at Busara, agronomist, and seasoned insurance professional with over a decade of experience across Africa. Her perspective? “The industry is moving.” But where exactly is it headed, and how can innovation steer its course?  Dr. Ikpeme Neto, Founder/CEO of Wellahealth, sheds light on the numerous untapped opportunities within the insurance industry. But how can we recognize and harness these opportunities in a constantly evolving landscape?  In this episode, we cover:  The trends shaping the future of #InsurTechinAfrica  Why Africans do not buy InsuranceHow innovation is driving inclusive and accessible insurance solutions   Embracing momentum and navigating the industry's growing ecosystem  Whether you're a seasoned professional or new to the industry, this conversation is filled with practical insights and forward-thinking ideas to inspire fresh perspectives.   Read the latest article on IBS Features here with Bryan FalchukCheck out our free resources on InsurTech ecosystem and innovation in the African Insurance space here https://linktr.ee/insurtechbusinessseriesJoin our IBS community on LinkedIn, Twitter, Instagram

Hello! Send us a quick text, comment or feedback. We would love to hear from youQuickfire Questions for Rahab Kariuki & Dr. Ikpeme NetoAI, big data, blockchain, super apps—hype or reality?Let's say you had a magic wand and could instantly fix one thing in Africa's insurance industry—what would it be?Which African country will lead in insurance innovation by 2030? The most important tech for the future of InsurTech? If you could describe your work in one word, what would it be?Read the latest article on IBS Features here with Bryan FalchukCheck out our free resources on InsurTech ecosystem and innovation in the African Insurance space here https://linktr.ee/insurtechbusinessseriesJoin our IBS community on LinkedIn, Twitter, Instagram

Die Themen im heutigen Versicherungsfunk Update sind: Fadata identifiziert sechs zentrale Trends für die Versicherungsbranche 2025 Der Softwareanbieter Fadata sieht sechs zentrale Trends, die 2025 die Versicherungsbranche prägen: Internalisierung von Prozessen, präventionsgetriebene Modelle, Cloud-Migration, Embedded Insurance, digitale Ökosysteme und Talent-Transformation. Laut Fadata treiben diese Trends die digitale Transformation voran und eröffnen neue Möglichkeiten zur Optimierung von Effizienz, Kundenbindung und Risikomanagement. Insbesondere die Fokussierung auf Datenintegration, moderne Technologien und Kundenzentrierung wird als entscheidend für die Zukunft der Branche betrachtet. PIB Group ernennt neuen CCO in Europa Michael Hendriks tritt zum 1. Januar 2025 als Chief Commercial Officer in Europa in die PIB Group ein. Er wird sich insbesondere auf den Ausbau der DACH-Region konzentrieren. Hendriks berichtet direkt an Onno Janssen, CEO der PIB Group Europe. Mit über 22 Jahren Erfahrung bei Aon Germany, darunter in Führungspositionen wie Chief Commercial Officer und Managing Director, bringt Hendriks umfassendes Know-how im Versicherungswesen mit. blau direkt setzt erfolgreiche Nachfolgelösung um blau direkt stärkt seine regionale Ruhestandsplanung in Baden-Württemberg: Die Leible GmbH aus Durbach schließt sich der blau direkt-Gruppe an. Gründer Ralf Leible regelt damit nach Jahrzehnten als selbstständiger Makler seine Nachfolge und bleibt mit seinem Team weiterhin aktiv. Unterstützt wurde der Übergang durch Marc Gmeiner, Geschäftsführer der GV Makler GmbH und Kooperationspartner von blau direkt, sowie Ruhestandsexperte Dirk Henkies. Der Übergang wurde im Sommer 2024 abgeschlossen und rückwirkend zum 1. Januar 2024 umgesetzt. Jung, DMS & Cie. fusioniert Tochtergesellschaften zu neuem Vermögensverwalter Jung, DMS & Cie. fusioniert die Tochtergesellschaften BB Wertpapier-Verwaltungsgesellschaft mbH (BBWV) und DFP Deutsche Finanz Portfolioverwaltung GmbH zur DFP Deutsche Finanz Portfolioverwaltung GmbH. Der neue Vermögensverwalter verwaltet ein Vermögen von rund zwei Milliarden Euro für 15.000 Kunden. Die Leitung übernehmen Martin Wanders und Petra Walter, während Antonio Biondo weiterhin für Portfolioverwaltung und strategische Betreuung verantwortlich bleibt. ERGO und Space and Lemon Innovations präsentieren Tech-Trend-Report Das ERGO Innovation Lab und die Hamburger Trend-Agentur Space and Lemon Innovations haben gemeinsam den Report „What's up next – Technology trends to inspire your next move. Insurance and beyond“ veröffentlicht. Die Publikation stellt sieben technologische Entwicklungen vor, darunter KI-basierte Agenten, digitale Zwillinge und humanoide Roboter, die in den nächsten 12 bis 36 Monaten für die Versicherungsbranche relevant werden könnten. Der Report entstand aus Workshops im Jahr 2024, in denen über 30 Trends analysiert wurden. Berkley Deutschland erweitert Portfolio um Life Science-Versicherungen Berkley Deutschland bietet ab sofort Versicherungsprodukte für die Life Science-Branche an. Das Angebot umfasst eine Probandenversicherung für klinische Studien sowie eine Betriebs- und Produkthaftpflichtversicherung für Unternehmen aus den Bereichen Biotechnologie, Pharmazeutik und Medizintechnik. Die Versicherungen bieten Schutz vor Risiken wie unerwünschten Nebenwirkungen bei Studien oder Schäden durch fehlerhafte Produkte.

Hello! Send us a quick text, comment or feedback. We would love to hear from youOn this episode Folumy had the pleasure of chatting with the new General Manager, aYo Nigeria Nkiruka Okere on her career and journey into insurance, her mission for aYo in Nigeria and the interesting dynamics of their strategic partnership with Sanlam and MTN Nigeria.Nkiru describes herself as a customer-centric leader on a mission to help Nigerians get access to simple and affordable insurance coverage.Read the latest article on IBS Features here with Bryan FalchukCheck out our free resources on InsurTech ecosystem and innovation in the African Insurance space here https://linktr.ee/insurtechbusinessseriesJoin our IBS community on LinkedIn, Twitter, Instagram

Hello! Send us a quick text, comment or feedback. We would love to hear from youCube Cover recently held its launch event and hosted a timely discussion on insurance accessibility, challenges, lessons, opportunities and what the future holds. In this episode, Deji Macaulay CoFounder/CEO of Cube Cover sat alongside A'isha Mumuni, Chief Digital Officer at MTN Nigeria, Jumoke Odunlami, Chief Distribution Officer at AXA Nigeria and Habib Kowontan, Group Head, Wealth Products at PalmPay on a panel moderated by Damola Oloko to touch on the practical realities of solving financial inclusion, insurance adoption and penetration via mobile platforms like Telecommunications and Mobile Apps.Key TakeawaysMobile offers a very huge opportunity for driving insurance adoption with Mobile Network Operators (MNOs), mass market Fintech players being key players. Nigerians want insurance but barriers like education, long processes, high pricing & lack of Trust make it difficult to get one.Strategic partnership, collaboration is not negotiable in the drive to ensure more Nigerians have the protection, financial cushion they need when risk occurs.Micro-insurance plans are best for mass market approaches and mobile agent networks offer opportunity to make insurance not only more accessible but also relevant to everyday needs.This episode is sponsored by Cube Cover; an InsurTech startup on a mission to revolutionize insurance accessibility by seamlessly embedding innovative, affordable microinsurance solutions into everyday digital platforms.Read the latest article on IBS Features here with Rbo Galbraith Check out our free resources on InsurTech ecosystem and innovation in the African Insurance space here https://linktr.ee/insurtechbusinessseriesJoin our IBS community on LinkedIn, Twitter, Instagram

oin us as we explore the game-changing world of embedded insurance with Charlotte Koep, CEO of Root shares insight into the game-changing world of embedded insurance.   She explains how embedded insurance integrates seamlessly into everyday transactions, providing immediate protection for consumers and businesses alike.   Charlotte delves into how Root's technology enables insurers to digitise their operations and collaborate with non-insurance brands to offer risk coverage at the point of purchase.   Learn how embedded insurance is helping close the protection gap, especially in underserved markets across Africa. 

Die aktuellen Wirtschaftsnachrichten mit Michael Weyland   Thema heute:    Black Friday-Deals: Vorsicht vor Embedded Insurance!   Bald fällt der Startschuss für den Black Friday und die Cyber Week 2024. Besonders gut verkaufen sich an diesen Schnäppchentagen Elektronikartikel. Die werden aber oft in Kombination mit Versicherungen angeboten. Mit nur einem Klick oder der Zustimmung im Geschäft landet dann nicht nur der neue Fernseher im Warenkorb, sondern auch die Geräteschutzversicherung. Embedded Insurance heißt das Konzept. „Doch gerade bei Versicherungen und Garantieverlängerungen für Elektrokleingeräte ist Vorsicht geboten. Sie sind weder bedarfsgerecht noch bieten sie einen wirtschaftlich vorteilhaften Versicherungsschutz“, sagt man beim Bund der Versicherten e. V. (BdV). Bei der Embedded Insurance-Lösung werden Versicherungen für Elektrokleingeräte wie Smartphones oder Geschirrspüler unauffällig in den Kaufprozess integriert. „Versteckt sich die Prämie im Gesamtpreis des Produkts, nehmen Verbraucherinnen und Verbraucher den Vertragsabschluss im schlimmsten Fall gar nicht wahr“, sagt der BdV.  Da der Abschluss in der Regel sehr schnell geht, bleibt Verbrauchern zudem kaum Zeit für eine genaue Prüfung der Konditionen und Vertragsdetails. Und selbst, wenn sie sich die Zeit für eine gründliche Prüfung nehmen, lässt sich kaum nachvollziehen, wann sie von der Versicherung unter welchen Voraussetzungen welche Leistung erhalten. Wenn sie überhaupt entschädigt werden, denn: Die zahlreichen Leistungsausschlüsse sowie die unverhältnismäßig hohe Versicherungsprämie bieten gerade bei Elektrokleingeräten in der Regel keinen bedarfsgerechten Versicherungsschutz, zumal meist maximal der Zeitwert des Geräts entschädigt wird. Das bedeutet, dass die Versicherung nicht den Kaufpreis, sondern nur den aktuellen Wert des betroffenen Geräts erstattet – und bei Elektroartikeln ist der Wertverfall hoch. Obendrein wird im Schadenfall meist eine Selbstbeteiligung fällig, die sich an der Höhe des Kaufpreises orientiert. Keine Vergleichsoptionen und erschwerte Kündigungsbedingungen Zwei weitere Nachteile von Embedded Insurance sind die eingeschränkte Auswahl sowie die erschwerten Kündigungsbedingungen. Kauft man beispielsweise ein Smartphone bei einem speziellen Händler, wird dieser nur die Versicherung seines Kooperationspartners anbieten. Verbraucher sind somit von vornherein an einen bestimmten Versicherungsanbieter gebunden und haben keine Vergleichsoption. Des Weiteren werden Verbraucher in der Regel nicht ausreichend über die Kündigungsbedingungen informiert.   Diesen Beitrag können Sie nachhören oder downloaden unter:

Traditional insurance models are limited in growth. In this episode with Robert Dietrich, CEO of Hiscox Europe, we discuss what it takes for embedded insurance and AI-driven models to work and dive into a blended cyber-insurance opportunity worth exploring.Welcome to the Digital Transformers Podcast with Kilian Karrasch. On this podcast, you'll hear about the latest next-generation business opportunities, and how you can build new products and business models around them to create more revenue for your business. Plus, you'll learn about the many lessons Kilian and his guests have learned on their path to building and running multi-million euro businesses.About the host: Kilian Karrasch is the founding partner at Boldheart, the leading next-generation product & venture builder. Together with his team, he helps ambitious corporates such as Valora, GEMA, and the International Chamber of Commerce identify, build, and scale successful next-generation digital products and business models.Follow Kilian's socials: LinkedInAbout the guest:Robert Dietrich is the CEO of Hiscox Europe, a specialist global insurer. Under his former leadership, Hiscox Germany quadrupled its growth and expanded into direct-to-consumer, technology, and cyber insurance. Today, Robert continues the transformative growth at Hiscox Europe, leveraging technology to meet the evolving needs of brokers and clients.Follow Robert's socials: LinkedInTimeline: (01:13) - Embedded Insurance - and it's key success factors(10:06) – Building flexible, customer-centric tech systems for modern insurance(16:16) – How AI can enhance underwriting processes and reduce costs(24:45) – Exploring AI-based cybersecurity solutions with insurance benefits

"The key message of the report is that the fundamentals of this region are critical, they're clear, and businesses are doing exactly, I think, what they need to do for us to move ahead." - Sapna Chadha "Given that one of the other themes we've had this year is trust, having a strong regulatory foundation and good constructs around that for digital financial services is critical to unlocking the next wave of growth here." - Florian Hoppe "All 10 ASEAN nations have announced their own national strategic AI initiatives or plans, and ASEAN itself has actually released a report and guide on AI governance and ethics. So, I think if you put all that together, it's very natural that Southeast Asia is, quite frankly, well-positioned to capitalize on the AI trend." - Fock Wai Hoong Fresh out of the studio in Google, Bernard Leong led a discussion on the 2024 Southeast Asia Digital Economy Report, joined by Sapna Chadha (Google), Florian Hope (Bain & Company), and Wai Hoong (Temasek). The panel delved into Southeast Asia's impressive digital growth, with the region's economy reaching $263 billion in GMV and significant strides in profitability. The panellists examined the key themes which include Southeast Asia's emergence as an AI hub, driven by $30 billion in AI investments, the rise of video commerce, and the region's booming digital financial services specifically on embedded insurance. The conversation highlights challenges and opportunities in digital inclusion, AI infrastructure, and regional integration, providing a nuanced outlook on Southeast Asia's potential. The episode concludes with each panellist sharing their vision for Southeast Asia's digital future and success metrics for the next decade, emphasizing the region's unique strengths and long-term global impact. Audio Episode Highlights [00:46] Introduction [02:17] Key Report Insights [04:09] How Sapna, Florian, and Wai Hoong provide perspectives to the key report takeaways [07:00] Investor Perspective on Southeast Asia [10:06] Exiting the Funding Winter [12:44] AI's Role in Accelerating Growth [14:30] Impact of Video E-commerce [16:23] Growth in Digital Financial Services [18:03] Embedded Insurance in E-commerce [24:12] AI Infrastructure Investment [27:55] Southeast Asia's Startup Ecosystem [29:45] Generative AI Use Cases [31:06] AI for Revenue and Cost Optimization [34:16] New Internet Users and Digital Inclusion [37:55] Regional Integration as a Success Metric [39:01] Vision for Southeast Asia Digital Economy Success [40:20] Closing Remarks Podcast Information: Bernard Leong hosts and produces the show. Proper credits for the intro and end music: "Energetic Sports Drive" and the episode is mixed & edited in both video and audio format by G. Thomas Craig Analyse Asia Main Site: https://analyse.asia Analyse Asia Spotify: https://open.spotify.com/show/1kkRwzRZa4JCICr2vm0vGl Analyse Asia Apple Podcasts: https://podcasts.apple.com/us/podcast/analyse-asia-with-bernard-leong/id914868245 Analyse Asia YouTube: https://www.youtube.com/@AnalyseAsia Analyse Asia LinkedIn: https://www.linkedin.com/company/analyse-asia/ Analyse Asia X (formerly known as Twitter): https://twitter.com/analyseasia Analyse Asia Threads: https://www.threads.net/@analyseasia Sign Up for Our This Week in Asia Newsletter: https://www.analyse.asia/#/portal/signup Subscribe Newsletter on LinkedIn https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7149559878934540288

Die Themen im heutigen Versicherungsfunk Update sind: Inter-Vertriebsvorstand geht Zum 31. Dezember 2024 endet bei der Inter Versicherungsgruppe eine Ära: Aufgrund seiner gesundheitlichen Situation ist Vertriebsvorstand Michael Schillinger, seit mehr als 35 Jahren im Unternehmen und seit 2014 Vorstandsmitglied, mit dem Aufsichtsrat 
übereingekommen, seine Mandate zum Jahresende niederzulegen. Versicherer rechnen mit hohen Schäden infolge des Klimawandels Schäden durch Naturgefahren verursachten in der Sach- und Kfz-Versicherung allein im Jahr 2023 Kosten von insgesamt 5,6 Milliarden Euro, berichtet der Gesamtverband der Deutschen Versicherungswirtschaft im Naturgefahrenreport 2024. „Wir rechnen damit, dass sich die Schäden infolge des Klimawandels bis 2050 mindestens verdoppeln werden“, betont Jörg Asmussen, Hauptgeschäftsführer des GDV. Wachstumspotenziale bei Embedded Insurance Jeder dritte Versicherungskunde kann sich grundsätzlich für die Idee der „Embedded Insurance“ begeistern, 28 Prozent stehen dieser hingegen (eher) ablehnend gegenüber. Weitere 39 Prozent zeigen sich neutral bzw. verhalten positiv. Das geht aus der aktuellen Trendstudie "Gegenstandsversicherungen & Embedded Insurance" vom Marktforschungsinstitut Nordlight Research hervor. VHV mit Auto Starter-Tarif Junge Fahrer, die Autos von Familienmitgliedern, Freunden und Bekannten nutzen möchten, müssen bei der VHV ab sofort nicht mehr in mehrere Verträge eingeschlossen werden. Fahrer, die nicht älter als 24 Jahre sind, können mit der neuen Nutzervereinbarung Autostarter für einen jährlichen Beitrag von 299 Euro mindestens zwei und maximal sechs Pkw nutzen, die bei der VHV Allgemeine versichert sind. Canada Life aktualisiert Fondspolice Der Lebensversicherer Canada Life seine Fondspolice Flexibler Kapitalplan aktualisiert. Im Zuge der Überarbeitung seien die Limits für Einmalbeiträge und Zuzahlungen verringert worden. Nun könnten Kunden schon ab 10.000 Euro Einmalbeitrag sparen und Zuzahlungen ab 250 Euro platzieren. Cyberversicherungen sind aktuell Etwa 85 Prozent der Cyberschutz-Anbieter haben in diesem Jahr ihre Tarife aktualisiert. Dabei lassen sich Anpassungen in unterschiedliche Richtungen feststellen. Während sich einige Versicherer fast vollständig aus dem Markt zurückziehen oder eine strengere Zeichnungspolitik fahren, gibt es ebenso Akteure, die sich genau gegensätzlich über günstigere Preise und mit besseren Bedingungen am Markt positionieren. Das lässt den Markt für Cyberversicherungen noch heterogener werden. Das geht aus der CyberDirekt Marktanalyse 2024 hervor.

Embedded insurance offers on-demand drivers flexible, affordable coverage, while providing platforms with a streamlined, trusted onboarding process. To watch the full interview with Elizabeth Blosfield and Dan Bratshpis, … Read More » The post How Embedded Insurance is Revolutionizing On-Demand Driving appeared first on Insurance Journal TV.

Embedded insurance offers on-demand drivers flexible, affordable coverage, while providing platforms with a streamlined, trusted onboarding process. To watch the full interview with Elizabeth Blosfield and Dan Bratshpis, … Read More » The post How Embedded Insurance is Revolutionizing On-Demand Driving appeared first on Insurance Journal TV.

Embedded insurance offers on-demand drivers flexible, affordable coverage, while providing platforms with a streamlined, trusted onboarding process. To watch the full interview with Elizabeth Blosfield and Dan Bratshpis, … Read More » The post How Embedded Insurance is Revolutionizing On-Demand Driving appeared first on Insurance Journal TV.

Wir sprechen mit Klaus Liebig, Geschäftsführer der vfm-Gruppe, über die Versicherungsbranche in 2030 Tagen, unter anderem über "liquide Delegierer", die für ihn in Zukunft die relevanten Kunden von Versicherungsmaklern und im Prinzip auch von allen Versicherungsvermittlern sein werden. Denn mit Blick auf die Demographie wird es nicht genügend persönliche Ansprechpartner für alle Kunden geben. Wie KI hier helfen kann, ist ebenfalls ein Thema unseres Gesprächs. Ebenso diskutieren wir, warum der „Bauchladenvermittler“ bzw. Generalist keine Zukunft hat und sich Makler in Zukunft (eigentlich schon heute) spezialisieren müssen. Außerdem erklärt er, warum KI bei Altverträgen an ihre Grenzen stößt und warum er keine große Zukunft für Embedded Insurance sieht. Darüber und über vieles mehr sprechen wir im Exklusiv-Interview zur Versicherungsbranche in 2030 Tagen. Hören Sie es sich an. Es lohnt sich!

Digital distribution is on every radar across the insurance industry but how to achieve it is not always apparent. Mylo CEO and Co-founder David Embry shares his views on a digital strategy that generates over 10,000 leads per month. In this episode:How embedded insurance grows leads and salesWhat a digital strategy for agents and brokers looks likeHow the Mylo platform can help independents grow their businessThe importance the customer experience and journeyWhy driving internal efficiencies is the critical to changePodcast philosophy and lessons from skydivingDavid is not just a dreamer, he's realized his dreams of change and built a company that can serve insurance distribution challenges and help others grow and prosper.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to Season Two!On the first episode of this new season we host a conversation with Jeremy Leach who is the Founder & Executive Director of Inclusivity Solutions; a leading #InsurTechinAfrica focused on micro and embedded insurance offerings to African customers.Join us to learn about Jeremy's journey into insurance and the evolution of Inclusivity over the years. This work also saw them win the Fintech & E-Commerce Award at  Viva Tech Africa Tech Awards 2024.Since this episode was dropped, Inclusivity has announced that they have served over 3 million customers across the markets they play.Hello! We would love to get your feedback. Send us a quick text Join our IBS community on LinkedIn, Twitter, Instagram Check out our free resources on InsurTech ecosystem and innovation in the African Insurance space here https://linktr.ee/insurtechbusinessseries

We are gearing up for fresh conversations in season two of InsurTech Business Series Podcast. Subscribe now and join our communityHello! We would love to get your feedback. Send us a quick text Join our IBS community on LinkedIn, Twitter, Instagram Check out our free resources on InsurTech ecosystem and innovation in the African Insurance space here https://linktr.ee/insurtechbusinessseries

Lamie ist ein führendes InsurTech-Unternehmen, das Embedded Insurance-Lösungen entwickelt und damit versicherungsfremden Unternehmen neue Revenue Streams ermöglicht. Was ist Embedded Insurance und wie kann sie dazu beitragen, neue Kunden zu gewinnen und bestehende Kunden besser zu binden? Die Antworten auf diese Frage gibt Thomas Aumayr, Head of Product Management und Digital Strategy bei Lamie. Thomas erklärt, wie Lamie die gesamte Wertschöpfungskette abdeckt und individuelle, maßgeschneiderte Versicherungsprodukte entwickelt. Darüber hinaus sprechen Thomas, Startrampe Leiter Johannes und Co-Host Karo Singer über die Versicherungsbranche und welche neuen Finanzprodukte durch die Digitalisierung möglich sind. Über Lamie Direkt Versicherung online, einfach, günstig - LAMIE direkt (lamie-direkt.at)

Bryan Davis, president, VIU by HUB, discusses how embedded insurance opens up new distribution channels and broadens market reach, tapping into customer bases that might not actively seek out insurance.

If you aren't following Pat West, @Hedgequote on X you're missing out, but now you can get a big sample of his insights and extensive knowledge.In this episodeWhy APIs are still important in the connectivity experience for agents and brokersUnderstanding the nuances of embedded insuranceHow to look at AI as a tool for the future and not a threatThe data 'gatekeeping issue' within insuranceChallenges with embedded insuranceHow brokers and agents may have won the branding war and not realize itPat is a sincere guy with a ton of knowledge and insight about the future of insurance sales and technology and he graciously shares perspectives on many hot issues.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Edouard is the CEO of Stellantis Insurance, having spent his career building new ways to solving insurance-related needs globally. He is responsibile for creating insurance solutions to support Stellantis' growth objectives in their automotive business, where insurance can enable or hinder those aspirations. He formerly worked at Volvo and Stellantis' predecessor, PSA. He joins the show as he winds down his time leading Stellantis' efforts in Insurance, and on the back of a major announcement with Bolt on embedding auto insurance in the US market. We met over a year ago when we were part of research Capgemini was doing on the future of Mobility and its impact on insurance as part of their World Insurance Report in 2023, which Lars Boeing joined the show to discuss. I shared my work on the Future of Auto Insurance with Edouard, and was excited to bring him on the show to discuss his take on the question given his rich background in the space and being a key driver in where things are heading. Highlights from the Show Edouard began his insurance career while still in school, doing his master's dissertation on new entrants into insurance That lead to a roll at Volvo Group to setup an insurance business, which then lead to a roll with PSA (now Stellantis) to build their insurance business Why would car companies (OEMs) get into insurance? Total Cost of Ownership (TCO) - if insurance for a given car model is too expensive, people won't buy your car, so OEMs want to work to control insurance cost as part of TCO Diversification of Revenues - important in any business, and if you run it right, there's attractive margin in insurance Opportunity - insurance is a way to demonstrate to consumers that you care, and the perception of most insurers is that they're against you rather than trying to pay your claims, so OEMs are well positioned to be the solution to that issue But can OEMs succeed? They're very well positioned with existing assets – brand name with high loyalty and affinity, logistics and supply chains, key purchasing moments, repair and distribution networks, deep understanding of the physical product being insured, etc. They have the assets and resources, but the remaining challenge is execution There's also a question of whether the OEM has to be the insurer, or simply partner with insurance providers and capacity This depends on risk appetite, which is trickier in insurance since you don't know the cost of product until after it is sold Stellantis has looked at multiple models, from building their own insurer to partnering with insurers to working with platforms like Bolttech in each of their global markets to meet local needs Partnership matters because, even if you have your own insurer, you cannot and do not want to take every risk that comes in Car dealers still need to make the sale, so they need solutions beyond an OEM's insurer to be sure they don't get forced to say "No" to a customer who needs coverage We discussed whether OEM's push into subscription services means insurance mustbe part of the equation, but there are local regulations that need to be navigated that may not allow this, so Stellantis must have options for customers that could include an embedded insurance offering but has to include other paths The technology we have to enable new pathways for OEMs to sell insurance are completely different than ever before It's important for insurers to create far more technical capabilities to partner with OEMs as most insurers currently are not flexible enough for most OEM needs You can get the report at future-of-insurance.com/capgemini2023 Download The Future of Auto Insurance: Connected, Embedded, Subscribed for free today This episode is brought to you by The Future of Auto Insurance: Connected, Embedded, Subscribed, which you can download for free today, thanks to support from Guidewire. This report is part of The Future of Insurance book series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

In dieser spannenden Folge diskutieren wir den aufstrebenden Trend der Embedded Insurance und die damit verbundenen Chancen für neue Revenue Streams. Unser besonderer Gast ist Holger Rabe von SAP Fioneer, der seine Erfahrungen und Einblicke in die Softwareindustrie für Financial Service Kunden teilt.Unsere Hosts Sebastian Langrehr und Alexander Bernert führen uns durch ein packendes Gespräch, in dem Holger Rabe nicht nur seine persönliche Einschätzung gibt, sondern auch wichtige Unterscheidungen und Chancen im Bereich Embedded Insurance aufzeigt. Von der Rolle veralteter Backend-Systeme bis hin zu den Herausforderungen und Möglichkeiten durch die API-Technologie – hier erfahrt ihr alles, was ihr über die Zukunft der Versicherungsbranche wissen müsst.Erlebt eine Diskussion über die Einbindung von Versicherungsleistungen in unseren Alltag und welche Branchen am meisten profitieren könnten. Hört, wie sich die Transformation in Asien bereits abzeichnet und wie traditionelle Versicherer reagieren müssen, um nicht den Anschluss zu verlieren.Abonniert unseren Podcast und hinterlasst uns eine Bewertung, um keine zukünftige Episode von "Insurance Monday" zu verpassen!Schreibt uns gerne eine Nachricht!Folge uns auf unserer LinkedIn Unternehmensseite für weitere spannende Updates.Unsere Website: https://www.insurancemondaypodcast.de/Du möchtest Gast beim Insurance Monday Podcast sein? Schreibe uns unter info@insurancemondaypodcast.de und wir melden uns umgehend bei Dir.Vielen Dank, dass Du unseren Podcast hörst!

Lex chats with  Danielle Sesko about insurance and innovation in the fintech sector. They discuss the purpose of insurance and why it exists, the structure of insurance companies, the challenges of insurance innovation, and the integration of insurance into digital lending platforms. Sesko explains that insurance is necessary because most people cannot sustain a total loss of their assets, such as their homes or businesses. She also discusses the regulatory structure of insurance in the US, which is regulated on a state-by-state basis. Sesko describes the product she is working on at TruStage, which provides insurance coverage for loans in the digital lending space. The insurance is designed to protect both the borrower and the lender in case of unexpected events, such as job loss or disability. Sesko explains the technology integrations between insurance and digital lending platforms and the economics of the product. She also discusses the challenges and opportunities in the insurtech industry. MENTIONED IN THE CONVERSATION TruStage's Website: https://bit.ly/3WibyC1Danielle's LinkedIn: https://bit.ly/3XUZNmp Topics: InsurTech, Insurance, Digital Lending, Lending, embedded finance, embedded insurance, API, fintech Tags: TruStage, Payment Guard, Lending Club, FDIC ABOUT THE FINTECH BLUEPRINT 

O mercado de seguros é, talvez, um dos que mais apresentam possibilidades de crescimento no Brasil, ainda mais quando consideramos a baixa penetração deste tipo de produto por aqui. Em paralelo a isso, temos visto importantes avanços do regulador (SUSEP) no sentido de fomentar novas tecnologias e modelos de negócio no setor. Nessa linha, existe um terreno fértil para os "seguros embarcados" (ou embedded insurance), no qual soluções são acopladas às jornadas dos consumidores, cobrindo as mais diversas situações e contextos. Para abordar esse tema, trouxemos neste episódio o Mauro Levi D'Ancona, CEO da 180 Seguros, empresa que desenvolve novas abordagens para o mercado segurador em cima da sua tecnologia ágil e de produtos facilmente integráveis via APIs. Confira os diferentes cases e possibilidades exploradas nessa conversa! *** Veja também no Youtube https://youtu.be/yULv90qkeBI

This is a panel session from the first-ever #IBSConference in 2022 moderated by the new Deputy Commissioner for Insurance in Nigeria  (Technical) Ekerete Ola Gam-Ikon and featuring Richard Leftley ( Founder, Wavu), Sam Baddoo (Founder/CEO, Fleri), Eunice Maina (Founder/CEO, Bismart) and Opeyemi Osiyemi (Co-Founder, Claimsify).Hello! We would love to get your feedback. Send us a quick text Join our IBS community on LinkedIn, Twitter, Instagram Check out our free resources on InsurTech ecosystem and innovation in the African Insurance space here https://linktr.ee/insurtechbusinessseries

The sharing economy is booming, and its growth isn't expected to slow down any time soon. Listen in as SVP & Casualty Broker Andrea Ward and Apollo ibott President Chris Moore discuss where they're seeing growth, some of the more widespread obstacles the sector faces, and what insureds can expect to encounter in the marketplace when putting their insurance programs together. They also dive into what kind of information or risk management elements insurers want to see when considering sharing economy business and provide insight for navigating today's insurance landscape. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Achieving Embedded Insurance Success Ernst & Young Americas Insurance Technology Leader Chris Raimondo shares strategic considerations for this increasingly important distribution channel.

Individuals and groups with shared occupations or preoccupations often have similar insurance and risk-management needs. That's where affinity insurance marketing and sales come in, explains Ann Dieleman, executive director at the Professional Insurance Marketing Association (PIMA). Dieleman elaborated on the topic during this episode of “Insurance Speak.” In it, she talks about why affinity insurance programs remain crucial, and where they fit with the growing push for digital transformation.

Welcome to The SaaS CFO Podcast. In this episode, our host Ben sits down with Paul Prendergast, CEO and co-founder of Kayna, a tech start-up specializing in insurance technology. Throughout their conversation, Paul discusses his extensive experience in tech startups and the unique approach Kayna is taking to revolutionize the insurance industry. He shares insights on Kayna's focus on vertical SaaS platforms, its go-to-market strategy, and its journey from inception to raising funds. Join us as we delve into the innovative world of insurance technology with Paul Prendergast. Show Notes: 00:00 Early stage Insurtech SaaS for vertical platforms. 04:30 Platform drives revenue by offering personalized products. 07:29 18 months ago, started, became regulated entity, funding. 10:53 Focused vertical SaaS, providing valuable content. 15:05 Focus on credibility and differentiation as small business. 17:23 Maximizing value through targeted outreach and collaboration. Links: Paul Prendergast's LinkedIn:https://www.linkedin.com/in/paulincork/ Kayna Innovation's LinkedIn: https://www.linkedin.com/company/kayna-innovation/ To learn more about Ben check out the links below: Subscribe to Ben's daily metrics newsletter: https://saasmetricsschool.beehiiv.com/subscribe Subscribe to Ben's SaaS newsletter: https://mailchi.mp/df1db6bf8bca/the-saas-cfo-sign-up-landing-page SaaS Metrics courses here: https://www.thesaasacademy.com/ Join Ben's SaaS community here: https://www.thesaasacademy.com/offers/ivNjwYDx/checkout Follow Ben on LinkedIn: https://www.linkedin.com/in/benrmurray

InnSure Executive Director Charlie Sidoti said community-embedded insurance is an “innovative model” to improve access and deal with rising weather-related risks fueled by climate change.

The end of the year is a time to reflect and the hosts Pete and Curt reflect on the events they were at- many! They discuss the year that was 2023, their most important trends, their favourite guests, technology, and episodes. 2023 was year of convergence for insurance, technology, business and the hosts explain how they see 2024 proceeding and what that might look like for many entities across the insurance industry. Sit back and listen as 2023 is discussed with a bit of humour and a fair bit of optimism. And finally a first, the guests share their perspective on podcast philosophy.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Rob is the Group Chief Executive Officer of bolttech, the fast-growing international insurtech, responsible for the company's development and growth around the world.  With more than 30 years' experience in the financial services industry, Rob has previously held senior leadership roles in insurance, including President and CEO of AIG's commercial insurance businesses worldwide and Chief Executive Officer of the Americas for AIG. Prior to that, Rob served as President and Chief Executive Officer of EMEA and was the Chief Financial Officer of AIG's global property and casualty business.  Before joining AIG, Rob was a partner at Deloitte & Touche L.L.P. where, for 18 years, he used his public accounting experience to serve global financial institution clients, including MetLife, The Prudential Insurance Company of America, and Merrill Lynch.  Rob is a C.P.A. He earned his M.B.A. from the Wharton School of Business at the University of Pennsylvania. He is a graduate of Rider University in New Jersey and Chairman of the Rider University Board of Trustees. Highlights from the Show Rob started as an accountant, and then moved to AIG He left AIG with a lot of lessons of what to do and what not to do, and used that to start bolttech as a an insurance distribution solution for the industry They work on embedded insurance, but with a broad definition of the term Bolttech runs an insurance exchange, connecting buyers and sellers of protection and insurance, and current have a scaled solution that's doing 25 homeowners quotes a minute, every hour of every day (that's 36,000 per day for just one line of business) Their take on embedded allows for the flexibility to offer choice of carrier and product, but also thinks much more broadly about how insurance can support the transaction around the core product it provides protection around, rather than trying to be the center of the transaction itself bolttech intentionally does not think about insurance as the center of the transaction, which helps them to think about other moments and areas to connect into the needs of the consumer rather than a single buying moment Part of this comes from the understanding insurers don't need to do or solve for everything themselves, and finding ways to solve a customer's needs whether it's with something you built or not is better than trying to force your own solution when it's not fit for purpose Two things have been holding embedded back from living up to the hype yet Before that, bolttech recognizes that they're fast but their partners aren't always as fast, so they need to slow down while helping their partners to speed up so they can meet in the middle The first element slowing things is the idea of DIY – I don't need anyone else to be able to build an embedded solution It is possible, but it is slower than if you worked with someone else Second, many players are working on embedded solutions in pockets, which end up being disjointed and subscale rather than what would be possible if we could connect those points together so they can help each other grow When you try to build the entire embedded solution alone, you will move slower and less ideally than if you cooperated and connected to others working on the issue, too You really need to think in the really big picture of everything around the customer rather than any one product, or even just insurance Rob thinks about bolttech as building the rails that enable the trains of products customers need can be delivered, regardless of who builds or sells the products themselves This episode is brought to you by The Future of Insurance, Volume IV. Asia Rising which features bolttech, available at future-of-insurance.com/asia) by Theresa Blissing. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

David McFarland is the co-founder of Coterie Insurance, which is on a mission to transform the commercial insurance market for small and micro-businesses. Using an innovative digital platform, Coterie makes insurance easier, faster, and more accessible for businesses and their 32 million employees nationwide. Coterie has now raised a total of $80 million since its 2018 inception.Today, Coterie has more than 40,000 clients.Where to find David McFarland:• Website: Coterie Insurance - Small Business Insurance• LinkedIn (1) David McFarland | LinkedInWhere to find Hadi Radwan:• Newsletter: Principles Friday | Hadi Radwan | Substack• LinkedIn: Hadi Radwan | LinkedInIf you like our podcast, please don't forget to subscribe and support us on your favorite podcast players. We also would appreciate your feedback and rating to reach more people.We recently launched our new newsletter, Principles Friday, where I share one principle that can help you in your life or business, one thought-provoking question, and one call to action toward that principle. Please subscribe Here.It is Free and Short (2min).

Embedded insurance — coverage that is tagged on to the purchase of a non-insurance product or service — is increasingly a key component of what we all subscribe to, lease, share, or buy. But embedded insurance programs provide benefits that go well beyond a warranty. Marsh's Rami Soysa and Oliver Wyman's Tim O'Connor discuss how embedded insurance programs are transforming risk management and helping companies take preemptive action to mitigate their risks. You can access a transcript of the episode here. For more insights and insurance and risk management solutions, follow Marsh on LinkedIn and Twitter and visit marsh.com

In der Mittagsfolge sprechen wir heute mit Christian Range, CEO und Co-Founder von Hepster, über die erfolgreich abgeschlossene zweite Finanzierungsrunde in Höhe von 10 Millionen Euro.Hepster bietet ein API-gesteuertes Ökosystem, das Unternehmen aller Branchen ermöglicht, maßgeschneiderte und individuelle Versicherungen in ihre Angebote zu integrieren. Durch den Ansatz der sogenannten Embedded Insurance strebt das Startup für seine Kundenunternehmen und Partner das nach eigenen Angaben beste Versicherungserlebnis an. Das will das InsurTech damit erreichen, indem den Kundinnen und Kunden vielfältige Tarife zu flexiblen Laufzeiten ab einem Tag angeboten werden. Schäden können rund um die Uhr online gemeldet werden. Das Startup garantiert eine direkte Hilfe sowie eine unverzügliche Bearbeitung des Schadens. Das Versicherungs-Portfolio des Unternehmens umfasst die Bereiche Mobilität, Elektronik, Ausrüstung, Reisen, Tiere und Unfälle. Hepster wurde im Jahr 2016 von Christian Range, Alexander Hornung und Hanna Bachmann in Rostock gegründet. Mittlerweile hat das Startup über 2.500 Partner und mehr als 250.000 Kundinnen und Kunden mit über 500 maßgeschneiderten Versicherungsprodukten überzeugt. Das Unternehmen wurde für seinen Kundenservice und seine Versicherungsleistungen mit mehr als 15 Auszeichnungen, darunter vom TÜV Saarland, gewürdigt. Das InsurTech ist mittlerweile in Deutschland, Österreich und Frankreich tätig.Hepster hat nun in einer zweiten Finanzierungsrunde 10 Millionen Euro eingesammelt. Zu den Kapitalgebern gehören bestehende Investoren wie Element Ventures und Seventure Partners sowie der neue VC Claret Capital. Mit dem frischen Kapital will das InsurTech sowohl weiter in Europa expandieren als auch die Profitabilität und das nachhaltige Wachstum in den bestehenden Märkten stärken.

Lars Boeing is a Vice President in Capgemini Invent's Insurance Practice and leads Capgemini's global Future of Claims offering. He has been working for 20+ years in consulting and corporate strategy roles, primarily on strategic projects, process optimization/ intelligent automation projects and business model redesign programs. Prior to joining Capgemini in January 2014, Lars was engaged with an FS firm in Germany where he was part of the corporate strategy department as well as the in-house consulting unit supporting the company's different business lines. His engagements at Capgemini Invent include the design of various Future of Claims strategies and roadmaps for P&C personal lines and commercial lines insurers, leading large-scale Transformation programs, the process optimization using process mining, RPA and AI solutions for P&C and Life Insurers in Claims and other areas, design of digital strategies, assessing and maturing DevOps and SAFe organizations, implementing new regulations, the redesign of ways of working and Organizational Change Management for insurers, banks and captive finance firms. Lars holds an MBA from HHL Handelshochschule Leipzig, a Master's degree in Banking from the Frankfurt School of Finance as well as a Master in Economics from University of Goettingen. Highlights from the Show Lars is a Vice President at Capgemini, and was part of the work in their annual World Insurance Report, which focused on the future of mobility insurance in the 2023 edition The question is around what the shifting patterns of mobility mean to insurance, and how insurers can start to take actions today to prepare for a movement from insurance the asset of mobility today, a car, to the experience of mobility tomorrow across different modalities and moments, even if people don't own cars They also look at how we break from the interactive pattern of product development to truly creating coverage that insureds need as their situations evolve Innovation has struggled in the industry often because the people responsible for it are separate from the main business, so they struggle to get new ideas into the core of the business For example, if we look at embedding insurance into mobility, it's looking at mobility itself as a service, and then thinking about how an insurer can be helpful across the experience and not just in offering coverage; are there ways the insurer can help coordinate mobility or provide safety guidance and support throughout a journey across different modalities, etc? The nature of what is being insured is changing, and CG talks about ACES - Autonomous, Connected, Electric and Shared - when they talk about vehicles in the future They see 8x growth for this space, while traditional Auto/Motor insurance will still be there, but will retract The nature of risk is changing, too, where it's not just about Auto Liability, but also software and cyber security risks as cars are connected and software-defined They think carriers should think about 4 things What is the value proposition carriers should think about offering in the future, and is it based on actual customer behavior and not what we say their behavior is? How do we use that value proposition to change our business model? What culture and capabilities do we need to have to support this model? What is the risk management we need around these new products? The report was built with very broad perspectives from across insurance, tech, auto manufacturers and more You can get the report at future-of-insurance.com/capgemini This episode is brought to you by The Future of Insurance Volume III. The Collaborators, part of the Future of Insurance thought leadership series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Matthew Grant is back talking to another co-founder of a successful technology company. Louw Hopley is Co-founder and CEO of Root which is providing technology to support embedded insurance for companies in South Africa, UK and other countries. Topics include: The advantages of building technology for companies in South Africa What an API really is and how it works The emerging use of Generative AI for writing and testing code Finding your business partner If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us hello@instech.co Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the advantages geographical locations have when considering where you should build-a-business Explain the pros and cons of using AI across insurance platforms Identify some of the successes partnering with smaller start-up businesses can bring If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 250 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Industry experts at Riskworld, the RIMS 2023 annual conference, react to a projection that the market for embedded insurance could reach $2.3 trillion in 2032.

Matheus Riolfi is the founder of Tint, which empowers tech platforms to sell more by embedding unique insurance products that protect their end-users. Tint has raised $30 million to date from notable investors such as QED Investors, Nyca, Deciens, Y Combinator, and Webb Investment Network.If you like our podcast, please don't forget to subscribe and support us on your favorite podcast players. We also would appreciate your feedback and rating to reach more people.We recently launched our new newsletter, Principles Friday, where I share one principle that can help you in your life or business, one thought-provoking question, and one call to action toward that principle. Please subscribe Here.It is Free and Short (2min).

Imagine a world where your underwriters can design their own insurance products in front of their eyes. A world where you don't wait months for developers to come back to show you things they have built that end up bearing no relationship to what you asked them to do. In this world if you don't like it you can just dump it and start again. And in this world the idea of legacy technology is meaningless- it simply ceases to exist. Here your only development cost is a monthly subscription. Well, it turns out this world is already here and not many of us know about it. I think you can tell from these words that today's Episode is one that I found incredibly liberating and enlightening to record. I love it when I learn something new, especially when its something I have been hearing other people talk about for a while, but I've been too busy or perhaps too embarrassed or scared to ask them to explain it to me. The world of no-code software is one of those things that I've been hearing about for a few years, but haven't really understood in any detail. So it was brilliant to meet Risto Rossar CEO of Insly, which is a business that has been running a no-code platform for the insurance industry for the best part of a decade. Risto is one of us – he's an insurance guy. His first business was a digital insurance broker he launched around the turn of the millennium. Back then to do this you had to create all the tech yourself because it simply didn't exist. That firm became very successful in the Baltic States and was sold on. But Risto soon realised he was onto something. Scaling brokers globally was hard but scaling software is a lot easier. He decided his next venture would be a tech business that helped to digitise the insurance sector That is how Insly was born. Now it's working with 40 carriers and MGAs and around 4,000 brokers from around the world. Listen on for an inspiring conversation with someone who understands that the only way to unleash real innovation is to liberate insurance folk from the need to learn how to code and allow us to get genuinely creative with insurance for the first time in our history. In our discussion we also slay a lot of the myths around other tech buzzwords such as Blockchain and the idea of the moment: Embedded Insurance. Risto is great company and I can highly recommend a listen – you'll learn a huge amount and hopefully end by feeling inspired and invigorated. LINKS Find out more about Insly here: https://insly.com/en/ And connect with Risto here: https://www.linkedin.com/in/ristorossar/

Arik Shpak is Co-Founder and Chief Insurance Officer at Connected insurance, focused on the creation of new insurance markets in the "sharing economy" such as transportation and mobility. These new markets are growing at over 30% per year but lack of traditional actuarial models and experience.  Connected helps any sharing economy business embed insurance into their product offering creation. Their technological invention is to utilize advanced event sourcing technology and provide real-time data analysis algorithms and machine learning. This helps fill the gap on actuarial data and discovers a way to price and write the required insurance. Arik is former the head of innovation at Kesh Underwriters, and an insurance broker at Shepherd Compello Ltd in London (a Lloyd's Broker and Coverholder). He describes how he sees what Lloyd's is doing in discovering and innovating new insurance markets as being a true basis for the insurance world. Follow the Insurtech Leadership Podcast airing weekly hosted by Joshua R. Hollander. We give you up-close access and personal insights from the leaders of the fastest-growing #insurtechs and most innovative #insurance carriers and brokers.

On this episode of the Strategy with Jason Podcast, Rene Cejas joins Jason to discuss communication experience, embedded insurance & customer convenience. www.strategywithjason.com for more content, bookings and information. Listen To The Full Podcast Episode Here: Apple Podcast: Spotify: YouTube: https://youtu.be/NuC-oxEtD4o Digital Dealership Solutions: ddsolutions.ca Strategy With Jason: strategywithjason.com Bell2Bell: bell2bell.ca Listen To The Strategy With Jason Podcast: Apple Podcast: apple.co/3IwlT3v Spotify: spoti.fi/3fT8V3H Soundcloud: bit.ly/347rnDb Jason Harris Twitter: twitter.com/StratWJason Instagram: www.instagram.com/strategywithjason/ Facebook: www.facebook.com/StrategyWithJason LinkedIn: www.linkedin.com/in/strategywithjason/ Website: www.strategywithjason.ca Rene Cejas: https://www.linkedin.com/in/rene-f-cejas-a16a804a/

On this episode of Conversations on the Creek, Rob Savitsky and Shreyas Chakravarthy Vasanthkumar sit down with Simon Torrance, an independent advisor, corporate venture builder, keynote speaker, and an investor at Embedded Finance & Super App Strategies and at MetaFlight, to chat about all things embedded insurance.   Projected to account for over $700B in Gross Written Premiums by 2030 in P&C and General Insurance (25% of the total market size), embedded insurance presents insurers with opportunities for growth and the ability to provide customers with personalized insurance coverage at the point of sale of another product or service. In this new paradigm, what approaches can insurers take to stay relevant? How should insurers be thinking about their own brand as they look to partner with non-insurance brands looking to offer their end customers insurance? Hear Simon's perspective on the state of the insurance market and how he sees distribution evolving in the future, the strategies and tradeoffs insurers might consider for winning in embedded insurance, and the technologies required to support it all.   To learn more about Simon Torrance, visit his company's website www.embedded-finance.io.   To learn more about how Duck Creek supports embedded insurance, go to www.duckcreek.com/embedded-insurance-emea.   Check out all our other episodes and follow Conversations on the Creek on Apple Podcasts, Spotify, Google Podcasts and www.duckcreek.com/podcasts.            

In this episode of Startup Hustle, Matt Watson and Matheus Riolfi, Co-Founder & CEO of Tint, talk about embedded insurance. Learn how embedded insurance works exactly and why it is wise to get insured for big purchases.   Find Startup Hustle Everywhere: https://gigb.co/l/YEh5   This episode is sponsored by Full Scale: https://fullscale.io   Learn more about Tint: https://www.tint.ai  See omnystudio.com/listener for privacy information.

Matheus Riolfi Co-founder & CEO of Tint.ai, an AI powered insurance solution for companies to embed insurance as part of their product offering. A good example is Turo, a peer-to-peer car sharing service, which requires custom insurance for each part of the world it enters. Matheus previously worked as the head of international expansion at Turo, which gave him an insight (and the eventual idea for Tint) because he spent so much time figuring out the insurance challenge. In this interview with Matheus, we hear the origin story behind Tint, innovation in the insurance industry and how Matheus left Brazil and crafted a very specific path to entrepreneurship. Enjoy the episode, and please leave a review on Apple and Spotify. Yaro --- Send in a voice message: https://anchor.fm/yaro/message

In this episode, Juan is joined by Thierry Daucourt, Head of P&C Commercial Lines European Markets at AXA, to discuss how digitisation is upending the underwriting value chain. The pair discuss how the underwriter's role has changed in the production, management, and valuation of information, and how technological advancements can free underwriters to concentrate on activities that generate additional revenue.www.cytora.comTo discover out more about digital risk processing, click here.Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Oh do I have a special goodie for y'all this week.It's with great joy I got to interview Ryan Letzeiser, Co-founder and CEO at Obie. For those that don't know, I work at Obie. So of course I'm biased as to whether or not I think Obie is doing something unique and leading the industry. It's not often you get to put your own CEO in the hot seat and push on buttons. Obviously, I've got inside baseball information, but I used that to get Ryan to spill the goods. In this interview, Ryan talks a good deal about what is and what is not embedded insurance, why this is such an important feature for proptech and fintech companies alike, and how Obie is working to bring about a much simpler insurance experience for real estate investors. Hint: simpler for investors means incredibly difficult for the tech company—but with big rewards.More about Obie and RyanObie is the leading insurtech, focused on providing insurance for real estate investors. By focusing on partnerships with proptech and fintech companies, Obie is the first and only company to offer instantly bindable quotes as an embedded insurance experience. Additionally Obie provides insurance via local independent insurance agents or directly to investors through its online portal—changing the shape and feel of insurance for investors by meeting them where ever they may be.Obie was recently honored as Business Insurance Best Places to Work and one of Inc Magazines Fastest Growing Companies for 2022. Obie is a Y-Combinator and a NAR REACH accelerator alum. To date, Obie has raised $13.7 million from leading proptech investors including Battery Ventures, Thomvest Ventures, MetaProp, Second Century Ventures, and Funders Club.Ryan is the Co-founder and CEO of Obie. As a seasoned real estate investor and technology executive with years of experience acquiring, developing, managing, real estate, Ryan saw the inefficiencies real estate investors and operators faced with insurance. After much exploration alongside his brother Aaron, he realized the insurance industry was not moving to meet the investor where they were. Obie was created to deliver a greater insurance experience that is more transparent and faster that ever before for the every day real estate investor. Follow Ryan on Twitter Connect with Ryan on LinkedIn Follow Obie on Twitter Follow Obie on LinkedIn Check out Obie

On this episode, Sabine VdL interviews Simon Torrance who is well known across the FinTech and insurance sectors as Mr. Embedded Finance.  In December 2020 Simon wrote a very well-known article ‘Embedded Insurance, A $3 Trillion Market Opportunity That Could Also Help Close The Protection Gap'. He works with leaders, executives, and board members to create and implement new growth strategies based on corporate venturing techniques focused on the Platform economy and Digital Ecosystems to help large enterprises transform the business of today to me the needs of tomorrow. KEY TAKEAWAYS The main problem is that digitization, which is happening across every sector, tends to shrink and contract traditional profit pools because you get new competitors, new entrants, new regulations, and customer expectations. So companies must spend more money to keep up with those emerging expectations. The old models that were absolutely fine in the analog world are coming under increasing pressure. Traditional players are increasingly feeling that pressure and need to do something different. When I was working in telecommunications, I started to think about the why. Why are those digital companies (Google, Facebook) so successful, and what could TelCos learn about them? TelCos have a lot of power in the market but they tend to focus on what they know best – creating the infrastructure – not so good though at creating services or new types of digital business models. In 2005-6 it was clear that the companies that were succeeding most in a digital world were those that were running ‘platform-based' business models, they weren't necessarily creating the end customer products themselves, but they were acting as an intermediary between the customer and the third party that had the solutions. That still is the most powerful business model in the digital world. I wasn't interested in financial services, I hadn't done a lot of work in it until about 3 years ago, but it seemed to me that it's so important for the world, it underpins all our commercial and social activity – we can't operate without financial services – yet there was something fundamentally broken with that industry and the gap between what people need and what they were being given was incredibly wide – there are so many people who are unprotected and have no insurance around the world – it's so important for a small business to get a loan. The type of experience I have with my old bank is lightyears away from the new banks that are popping up now and no one's really making solutions that look after my financial wellness, to help me understand how I need to save, borrow, plan for the future, I'm just left to access a few quite basic solutions from the incumbents. So, I thought, with these huge gaps and numbers of people excluded or badly served by the industry, there's got to be some change needed. Embedded finance cuts across all the different business models and says: why don't we enable other organizations that are much closer to the end-users, that interact with them more frequently than we do? We should do so in order to sell financial services because they have more regular interactions or touch points with the end-users, they're often more trusted in certain contexts too. Why don't we help them not only sell solutions but also embed them – use components that we've got to create new types of experiences that make their propositions more attractive. Digital technology has become much more sophisticated now, all those capabilities (products, data, underwriting capabilities) that were locked away within traditional companies are now able to be modularised and extracted into software technologies developed by tech companies. They are configured in ways that suit the customer better or more conveniently through unique experiences for the end-users.   BEST MOMENTS 'The business model is the most fundamental way that a company creates and delivers value for customers, captures value for itself, and increasingly shares value with others. It's the most fundamental aspect of innovation and most companies find it very difficult to execute on their business model innovation promise because well-crafted business models address so much than what is often delivered right now.' ‘Digital companies have taught us that you do not need to create a platform yourself, you can co-opt developers and third parties to create solutions for your customers, as Apple does with the App Store. In so doing, you drive demand for your core business, in Apple's case their phones.' ‘Over 50% of the big publicly traded financial companies were making zero or negative economic profit. There's something wrong here, the customers aren't getting what they need and the majority of those who are supplying financial products aren't making any profit either. That suggests there is a fundamental business model problem in finance which is so important for everybody to live, work and enjoy the company of others.' ‘99% of a financial institution's resources and money goes on digitizing, making more efficient and optimizing the existing business model. It is necessary but insufficient if that business model is going to deliver profits and economic returns to shareholders.' ABOUT THE GUEST Helping companies transform their business models with digital platforms, ecosystems, and ventures, Simon Torrance works with leaders, executive teams, and boards to create and implement new growth strategies and ventures based on the new disciplines of ‘Platform Strategy', ‘Digital Ecosystem Management' and ‘Corporate Venture Building'. Simon is the author/presenter of the New Growth Playbook (www.newgrowthplaybook.com) and co-author of a new book called 'Fightback' (how traditional corporates can win in the digital economy with platforms, ventures, and entrepreneurs): https://amzn.to/2RGZcAY As we enter more deeply into what many are calling the ‘Fourth Industrial Revolution' – enabled by a fusion of emerging technologies that are blurring the lines between the physical, digital and biological worlds – Simon believes that organizations in every sector need to radically re-think their role in the world and how they create and capture value. Working in collaboration with a global network of subject matter experts and tech entrepreneurs he supports organizations with this transition via a mix of services: Advisory: helping clients develop and implement new strategies that transform their business models into faster-growing, more valuable platform-based models. Digital Ventures: helping incumbent organizations create portfolios of impactful new businesses. Executive Education: training leaders and teams on the topics of 'New Growth Strategies in the Digital Economy', 'Platform Strategy', 'Digital Ventures'. Simon's online course is at www.newgrowthplaybook.com Simon collaborates with many leading institutions including World Economic Forum, MIT, London Business School, and Singularity University among others. Website: www.simon-torrance.com LinkedIn: https://www.linkedin.com/in/simontorrance/ ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew, a venture lab that accelerates the curation, validation, and commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers and accelerating over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, and an investor & multi-award winner.  Twitter: SabineVdL LinkedIn: Sabine VanderLinden Instagram: sabinevdLofficial Facebook: SabineVdLOfficial TikTok: sabinevdlofficial Email: podcast@sabinevdl.com Website: www.sabinevdl.comThis show was brought to you by Progressive Media

In this episode of Agency Freedom Podcast, host James talks with Pat Mulroy, Head of Distribution for Tarmika. Episode Highlights: Pat shares his career path in the insurance ecosystem. (4:51) Pat talks about what Tarmika is doing on the embedded side and that led to his position there. (6:25)  Pat explains that Tarmika sees embedded insurance as something they can offer to both consumers and agencies as an additional distribution method, a starting point, but not something that is going to complete the full journey. (11:33)  James shares his experience of going to a Coldplay concert and using Allianz concert ticket insurance. (16:09) Pat explains why the ability to offer multiple carriers from certain embedded offerings is very unique. (21:01) Pat shares that their new product, which is called "The Tunnel”, has been available for months now and they are continuing to expand. (25:03) Pat shares that it is very important to understand the experience an agency wants to create in order to be able to create the right platform. (31:00) Pat talks about how they have created integrations that their partner carriers do not have to do. (37:21) Pat talks about the notion of a disruptor and highlights the need to embrace different types of distribution. (44:10) James shares the benefits of agents partnering with loan officers and mortgage companies. (49:05) Pat shares some of the reasons why he loves working in this type of industry. (51:46) Key Quotes: "So, I am of the opinion, this is a blanket statement across all things embedded, that the front end experience is insanely important to making this truly feel embedded." - Patrick Mulroy "I think we fell into a better position and others specific to the embedded space because of all of the years that we were involved in the rating side of the business." - Patrick Mulroy "I personally like working in this space so much because of the unknown, so many different parties, technology companies, agencies, carriers, consumers, are all trying to figure out, how this is ultimately going to play out and look, is wildly interesting to me." - Patrick Mulroy  Resources Mentioned: Learn more about Tarmika here: https://www.tarmika.com Visit our website to join our email list, get the scoop on our LIVE coaching calls and never miss an episode: https://www.agencyfreedom.com Connect with Agency Freedom Podcast on Facebook at the Agency Freedom Podcast group: https://www.facebook.com/groups/agencyfreedom Email us at podcast@agencyfreedom.com with ideas, questions, complaints or your favorite grilling recipe.