Bret Shroyer

Market cycles are diminishing greatly because sophisticated analytics let insurers price risks individually, not based on market psychology.

Data-driven insurers can see which 10% of policies will be most profitable -- and that 50% of earnings come from that small segment.

With predictive models, many think the sole issue is picking the right technology, but the details of implementation are crucial.

Despite what many think, the most important important issue isn't which model to choose, and the biggest challenge isn't technical.