Actuaries & Digital Insurance. Innovation. Anita Sathe FCAS, FSA, MAAA Catherine Pallivathuckal FCAS, MAAA
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1 Actuaries & Digital Insurance Innovation Anita Sathe FCAS, FSA, MAAA Catherine Pallivathuckal FCAS, MAAA
2 Speakers Today Anita Sathe FCAS, FSA, MAAA Chief Strategy Officer CoverHound & CyberPolicy Catherine Pallivathuckal FCAS, MAAA SVP of Product CoverHound & CyberPolicy 2
3 Scope Actuaries evolving role in a changing insurance distribution landscape and emerging technology Insurance Distribution Insurance Product Innovation Actuaries Evolving Roles Emerging Technology 3
4 P&C Insurance Distribution Channels Target P&C Premiums: $452B Distribution Channels Trusted Advisor for Insurance Legacy Distributors (Legacy): Customer Acquisition Insurance Agents Insurance Brokers Direct (e.g., carrier s local office) Policy Holders Insurance Agents Digital Distributors (Emerging): MGAs Aggregators Direct (e.g., carrier s website) Insurance Carrier 4
5 Total US P&C Premium: $613B ($311B Personal + $302B Commercial) Impact of Technology Improved digital engagement by end customers Improved efficiency for traditional distribution Insurance product innovation 5
6 Current Market Dynamics Insurance Product Innovation Trusted Brands Unmet Insurance Demand Customer Retention & Secondary Revenue Restricted Insurance Supply Customer Acquisition Increasingly Difficult 6
7 WHOLESALE REINSURANCE ILS PE / VC DIGITAL SHOPPERS TRUSTED BRANDS Insurance Distribution Platform INSURANCE CARRIERS 7
8 Partnership Success Factors Highly Efficient and Customizable Online Marketplaces Simplified & Customer- Centric Products Speed to Launch & Optimized Growth NPS Driven, 100% End-to-End Fulfillment Leveraging New Gateway Products Digital & Mobile first 8
9 Any darn fool can make something complex; it takes a genius to make something simple P. Seeger 9
10 Why Insurance Product Innovation? Auto, Home, SMB Insurance is bought not sold Regulatory requirements or asset protection incentivize purchase Why is it so difficult to access these products? Success in digital age will depend on the player that will remove barriers to access insurance products Key to integrate at key insurance moments Enabling digital partnerships (with brands, other carriers, etc) 10
11 Digital Distribution Innovation starts with Insurance Product Innovation Ask questions that customers can answer with confidence Leverage third party data for speed & rate accuracy Reduce/eliminate rate change from quote to bind Simplify coverage packages and endorsements Customize coverage packages for the market 11
12 Technology Implications for Innovation Mobile 1st approach for product development Flexible API integrations Fast response times Seamless online to offline transactions Digital fulfillment Carrier / product / coverage recommendations 12
13 Cyber Insurance Value Proposition Information & Technology impacts everyone New risks have led to Insurance Product Innovation throughout history Ships (1700s) Industrial Revolution (1800s) Automobiles Introduced (1900s) Digital Age (2000) Marine Insurance Workers Comp Auto Insurance Cyber Insurance Cyber Insurance demand set to grow exponentially New interconnected threats since digital ecosystem is only as strong as the weakest link Quicker adoption will drive growth over the next 5 years (premiums grow from $2bn to over $20bn) Global peril not localized to geography or sub-segment of the population First insurance product that crosses borders with ease Gap in marketplace for non-enterprise cyber products 13
14 Cyber Insurance is Critical for SMBs Complements cybersecurity SMBs are especially exposed to cyber breaches Fastest growing segment of the P&C insurance market 14
15 Building an Innovative Team 15
16 Innovative Processes Create Genius MVP = Minimum Viable Product approach Front line feedback Establish KPIs for success Iterate for continuous refinement Establish clear constraints & moderate pressure to drive innovative thinking 16
17 Accelerating Innovation in Insurance Diverse teams & backgrounds are a must Get out of your comfort zone every day Look at all of your consumer touchpoints frequently Embrace diverse views, opinions and ideas Avoid people with the way we have always done it thinking Reward BIG IDEAS that prove to be successful 17
18 Scope - Revisited Actuaries evolving role in a changing insurance distribution landscape and emerging technology Insurance Distribution Insurance Product Innovation Actuaries Evolving Roles Emerging Technology 18
19 Thank You! 19
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