Celia Clinciu

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In the next decade, microinsurance could grow to one billion policy-holders and narrow the protection gap, but only if presented right.

Lawyers and consumer advocates are demonizing algorithms any time a decision goes against a policy holder. Let's talk about them less.

Facing increasingly complex claims, insurers must modernize, shift their cultures to prioritize efficiency and empathy, and seek legal reforms. 

By combining historical aerial imagery, property condition data, and AI, insurers can optimize underwriting, inspections, and fraud reduction.

Insurers can use AI to solve specific problems without causing major disruptions.

AI's potential to transform insurance clashes with the industry's risk-averse nature, creating a complex landscape for insurers to navigate.

The government must partner with organizations and insurers to increase the availability of obesity medications.

The systems streamline the management of business rules, letting insurers adapt swiftly and efficiently without the need for intervention by IT. 