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Could hyper-personalisation be the key to the challenges in the health and life insurance industry?

Insurers in the life and health insurance industry have an opportunity to meet new consumer demands, increase sales, and drive brand loyalty.

How Machine Learning Can Cut Insurance Premiums

If you think you are overpaying for insurance, you are probably right. That’s not necessarily because companies want to rip you off, but the way they compute risk is approximate, and they want to err on the side of caution. After all, if they lower premiums too much, they could go out of business soon. This is true for all kinds of insurance…. life, health, auto, shipping containers, valuable objects, etc.

Machine Learning can help to estimate this risk better and therefore compute a more ‘fair’ premium. I outline the concept in a simple manner using auto insurance as an example.

Insurance in 2020 – Challenges and opportunities

What are the key challenges and opportunities facing the insurance sector in 2020? We explore the impact of #IFRS17, regulatory challenges and opportunities in #data analytics and #AI solutions

Hyper Personalization in Employee Benefits

We live in a digital-first, data-driven world. Every aspect of our lives revolves around technology – and many of those technologies are IoT based, which means they are constantly gathering data – from the time we wake up to the time we go to bed. This data is being used by companies to create a better user experience and to drive more personalized product offerings.

How Technology is Changing the Stale Insurance Industry | Laura Drabik | TEDxSantaClaraUniversity

Amazon & Netflix are changing consumer expectations of how they want to interact with “lame” industries like insurance. New business models like a sharing economy (Airbnb and Uber) and social brokers are emerging in insurance. Disruptors in the market called “Insurtech” innovators are capitalizing upon these opportunities. The insurance industry of tomorrow, will be incredibly different from what we see today. Unlike today, it will be a technology savvy, youthful and cool market to work in. Millennials will be a big part of that change. Laura is VP of Business Innovation for Guidewire Software. She keeps her finger on the pulse of insurance industry disruption to coach carriers on how they can innovate their business and achieve a competitive advantage. She brings innovative ideas from the field into Guidewire products; there are now five InsuranceSuite features that represent her development initiatives. Before joining Guidewire 11 years ago, Laura worked as a consultant for Deloitte and Accenture, but started her career in the insurance industry working at State Farm Insurance. She has an MBA from the University of Toronto. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at