🐇 🌟Evyatar Amira

AI adoption in insurance is often framed as a technology challenge. In practice, it’s a customer segmentation challenge. In many CEE markets, a large customer segment still prefers traditional, non-digital channels, working one-to-one with a human consultant. Trust is built through personal interaction, and there’s reluctance to move toward AI-driven advice or decisions. In parallel, a smaller but growing digital-native segment already consumes insurance online and expects self-service, automation, and AI-assisted journeys. These segments coexist. The challenge for insurers is not choosing between human or AI, but adopting different operating models for different customers, at the same time.

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Heard of Marshmallow? No, not the kind you toast over a campfire—though this insurtech is definitely on fire. Marshmallow, a UK-based insurtech, recently scooped up $90 million in funding! Marshmallow was founded to fix unfair insurance pricing for newcomers to the UK, using proprietary tech and alternative data to offer fairer car insurance, often up to 45% cheaper, by considering driving histories from any country. The result? Over 1 million drivers insured, a $2 billion valuation, and a $500 million revenue run rate. Their ambition is to become a one-stop financial shop for migrants, expanding into home insurance, loans, and more, all tailored to the unique challenges newcomers face, serving as an excellent example to build a vertical ecosystem.  What’s the playbook for UAE Insurtechs? Go deep, not wide: focus on a specific segment- expats, SMEs, gig workers, and solve their real pain points Leverage proprietary tech: use alternative data and AI to build pricing models; an excellent example of using alternative data is the insurtech Relm Insurance! Expand vertically: once you’ve built trust with one product, layer on adjacent services that make sense Own the customer journey: control the full value chain, from onboarding to claims Marshmallow’s success shows that the real opportunity lies in specialization and relevance. By understanding the unique needs of a defined customer group and building an ecosystem around them, insurers can create lasting loyalty and defend against both legacy competitors and new digital entrants. ONE TAKEAWAY: Go for a super ecosystem (not a superapp), because in insurance, relevance is the real treat. #insurance #insurtech #innovation #relevance #uae #middleeast #uk

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Introducing ActuaryMarket We are excited to announce the launch of ActuaryMarket, a natural extension of our freelance network ActuaryLancer. ActuaryMarket is designed as a platform where actuaries can list and sell their own models, tools, and frameworks. Every listing goes through a vetting and peer review process by qualified actuaries to ensure quality and reliability. 🔹 For Actuaries: 1. Showcase your models to a global audience. 2. Retain full intellectual property rights – your work remains yours. 3. Choose whether to list, sell, or convert your models into web apps with our support. 4. You remain responsible for servicing your end clients, while we help you expand your reach. 🔹 For Businesses and Clients: 1. Access a wide range of actuarial models already created by experts. 2. Multiple engagement options available – from subscriptions to outright purchase of actuarial intellectual work. 3. Tap into innovative solutions from actuaries across our network. By including us in your journey, you gain access to the powerful network we’ve built over the years – a community of professionals, businesses, and innovators. 📩 Interested in listing your models or exploring available solutions? Reach us at actuarymarket@gmail.com Let’s build the future of actuarial innovation together. #ActuaryMarket #ActuaryLancer #ActuaryLife #Actuary #ActuarialScience

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With two conferences coming up in one week, both centered around the topic "Future of Insurance" I wanted to share five predictions that I believe will shape the industry in the coming years. First, embedded insurance is gaining traction. This means insurance will be seamlessly integrated into non-insurance products, offered at the point of purchase or interaction, and enabled through partnerships between insurers and other industries. Second, usage-based insurance, or UBI, is on the rise. Premiums will be based on real-time usage data, tracked through IoT or telematics, ensuring coverage matches individual risk profiles more accurately. Third, micro-insurance is set to expand. It offers low-cost coverage for small risks, targeting underserved and low-income groups, and is often delivered via mobile or digital platforms to maximize accessibility. Fourth, industry distribution is being modernized with digital tools. Technologies like AI, cloud, and blockchain are streamlining operations, improving underwriting, and enhancing customer service across the board. Finally, AI is transforming the insurance landscape. From analytics to underwriting and claims, AI leverages big data, machine learning, and NLP to drive smarter decisions and better outcomes. I’d love to hear your thoughts on these trends. How do you see them impacting the industry? Let’s discuss in the comments. I believe these predictions are quite accurate - based on 18 months of research and C-level discussions with the insurers in the GCC. It's what we do at eData Information Management 🦾

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Flock’s founder, Antton Peña, recently joined the Insurance Innovators panel, ‘Motor under pressure: strategies for success’. The panel covered rising claims costs, customer outcomes and the role of AI in improving the overall motor insurance experience. Here’s what Antton had to say:

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📣 Good news at Orus We’ve just raised €25 M (Series B) to keep building simple, fast, intelligent insurance for small businesses ! Some people think all insurers are thieves and crooks. We think it’s just a matter of tooling. When you address a complex problem with inappropriate tools, a bad reputation is what you get. Insurance for SMBs is still slow, opaque, one-size-fits-all. That’s not fate, it’s a tooling problem. 👉 Our answer: We wrote our own underwriting engine that organizes the full insured journey in the same framework and leverages modern technologies and all available data. This enables pushing exactly the right product that fit the exact needs of the customer and are easy to understand. It digests 300+ signals, from geo-risks, to financial data, and company history. Hundreds of data-points, to shape cover around each business, not the other way round. 👉 What users feel: ▪️ 5-minute on-boarding ▪️ Flexible contracts, no lock-in ▪️ Claims handled in days, sometimes hours 👉 What this funding unlocks: ▪️ Hardening our event-sourced architecture for the next scale-up phase ▪️ Pushing automation across risk & claims flows ▪️ Taking our insurance product factory to the next level : more countries, and more products, faster. None of this happens without the team. Thank you Axel K., Michaël Roulland, Marvin ROGER, Florian Herlicq, Claire Brickley, Davi Barreto Façanha, Hafida M., Aiman Hmidouch, Grégory Lédée, Thomas Bodin and Baptiste G. for the grit and late-night pull-requests 🙌 If you want to build fair, fast insurance for millions of entrepreneurs, let’s talk.

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The new age of Insurtechs will not be defined by who has the slickest app or the biggest distribution force. True value will come from: Specialised, innovative products that solve niche customer risks (EVs, gig workers, cyber, climate). AI-backed automation for underwriting, pricing, servicing, and claims. Minimal human involvement – with teams focusing on oversight, not execution. The Insurtechs that will win:    •   Build AI-first ecosystems, not just digital brokerages.    •   Leverage unique data advantages    •   Scale without scaling headcount.    •   Embed themselves within customer journeys through partnerships and ecosystems. Generic products and manual processes will drag valuations down. Specialisation + AI leverage automation will unlock unicorns. So for any such query get in touch with me Goortej S. A visionary leader ! #Insurtech #AI #InsuranceInnovation #FutureOfInsurance #insurance #distribution

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74% of insurance companies are running AI pilots. Only 7% have scaled them. We just contributed to a whitepaper on this with NashTech and Insurtech UK. That gap doesn't surprise me at all. Most of these pilots are bolting shiny new AI onto systems that are literally decades old. Broken plumbing everywhere. And even when people know it's broken, rethinking processes means shrinking teams. Teams want to keep their headcount. Turkeys don't vote for christmas. That's why AI-native wins. Y Combinator just dropped their Spring 2026 request for startups. Every single category is AI-native something. Over half their recent batches are agentic AI companies. They're not asking founders to improve existing tools. They want companies built from scratch assuming agents do most of the work. The pattern is always the same. Startups that rebuild from zero outperform incumbents that patch what they've got. Then the smart incumbents buy the ones that worked. That becomes their innovation strategy. Really enjoyed contributing alongside Mosaic, Hastings Direct, WPA, Fujitsu and others. But that 74% vs 7% gap tells you everything. It's not a technology problem. It's a willingness-to-start-over problem.

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Has digital transformation gone too far — or is it enhancing the personal touch in HNW broking? In The Insurance Times, Harriet Scott explores whether technology risks undermining the service-defining human touch that HNW clients value most. Broadway’s Geraint Jones shares his perspective, reflecting on over four decades in insurance: “Technology has undoubtedly made jobs easier, allowing us to be more efficient and invest more time helping clients. But for HNW clients, the human touch remains essential — it’s about providing the kind of concierge service that AI, and even some other brokers, cannot.” #Insurance #HNW #DigitalTransformation #ClientService #AI #Brokers #InsuranceTimes InsuranceTimes https://lnkd.in/eRrxHn8a

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💥Decision support and documentation intelligence are crucial for providing regulated annuity advice. GrantAI focuses on several key areas: - Reducing cognitive load - Surfacing trade-offs - Pre-writing rationale - Flagging suitability risks - Enhancing the image of advisors, ensuring they remain relevant By bringing confidence to insurance agents and building trust with consumers, GrantAI helps maintain regulatory safety while ensuring advisors are indispensable in their roles.

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Social media is essential for modern insurers, brokers and MGAs! But how well are you using it? In this 'Ultimate Guide', we break down how to: ✅ Build trust and authority in a crowded space 🎥 Use short-form video effectively 👥 Empower employee voices to amplify your brand 📊 Track what really matters (not just vanity metrics) 👉 Read now: https://lnkd.in/e5aMkvHb #InsuranceMarketing #SocialMediaStrategy #DigitalInsurance #InsuranceInnovation

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