Ruth Philpott

Ruth Philpott is a director with PwC’s financial services people and change practice.

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The transformational journey needs sequenced milestones, requiring systematic supervision by a program management office (PMO).

Modernization is not just about changes to processes and technology. There also are potentially profound organizational and talent-related changes.

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. 