Hasan Meral

You do not have to be the most creative person in the world to design an insurance product. Asking the right questions is enough.

Buying insurance is an act of delaying gratification, like dieting. It's hard--but insurers can nudge customers in the right direction.|

Insurance companies need to focus on the feelings and emotions of consumers and not just working on statistics.

Reinvention of an existing product with new vision can be enough to move an insurer into a Blue Ocean. Just look at iTunes.

The digital insurance concept has lost most of its popularity. Insurers have learned that digitalizing the traditional process is not enough.

In Istanbul 150 years ago, the only way to protect a home against fire was to buy insurance--insurers had the only fire departments.

Insurers' favorite customers are those who haven’t had any claims for years -- hardly a recipe for building a service culture.