Ruben Ugarte

Ruben Ugarte helps insurance organizations, teams and individuals make exponentially superior decisions.

He has done this across five continents, in three languages, and his ideas have helped hundreds of thousands of people.

Most Recent

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How to Respond at Inflection Points

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At inflection points, firms tend to congratulate themselves and keep doing the same things. Wrong answer.

All Articles

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How Organizations Become Innovative

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While organizations talk about transformation, the most effective innovation will come from small changes that compound over time.

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Is My Organization Actually Innovative?

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The best place to look for innovation is in the quality of decisions being made. Here are three ways you should evaluate your performance.

Six Things

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What Trump 2.0 Means for Climate Initiatives

By Paul Carroll

With a president-elect who talks about the "climate hoax," insurers can play a key role in ensuring that progress continues on resilience in the face of climate change.

Embedded Insurance: A Major Disruptor

Embedded insurance promises to disrupt insurance distribution as well as product and help close the “protection gap”--the 50% of all economic losses not covered by insurance.

1

Can AI Serve as a Concierge?

Life insurers need to provide customers a more human experience, and AI can serve up poignant insights, at the moment of truth, when it matters most.

2

Transforming Insurance Operations With AI

As carriers and agencies adapt to hybrid work models, AI-powered tools are becoming increasingly crucial for maintaining efficiency and quality of service.

3

The 'Digital Roundtrip' of Insurance

Think of agencies as a relay team: Connecting all systems, people, and stages of the client journey and policy lifecycle makes the baton handoffs much easier.

4

6 Keys for Policy Management Software

Integrating insurance policy management software with the rest of an agency's tech ecosystem can generate insights and boost productivity. 

5

How to Handle GenAI Security Issues

Here is a flexible software security review framework that organizations can use to improve their security posture.

6

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A Practical Approach to AI in Insurance

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