Underwriters have the complicated task of analyzing risks from their company and clients to choose the right path for the collective good. When approving life insurance policies, this becomes a moral question as well as a mathematical one. How can a company give access to life insurance to as many people without harming their financial health?

Kevin Oldani and his team at Hannover Life Re America go beyond traditional methods to answer that question. He shares his thoughts on how innovations in AI and other digital practices have allowed for a more equitable distribution of life insurance policies.

We discuss:

- Application volume going back to pre-covid levels

- EHRs are pure upside, even if it’s not always instant decision making

- Consumers need speed and to understand the value of products better to grow new premiums

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The insurance landscape is in flux, and everyone—from agents to carriers—needs to adapt to continue meeting customer needs.

Part of that involves modernizing the buying process to create more transparency, but another part is balancing digital offerings with the human touch.

Kevin Fusick and his team at Policygenius have made that balance a focus of their platform. He shares his thoughts on the changing landscape and what he thinks the future of insurance will look like.

We discuss:

• Finding a balance between digital distribution and a human element

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Digital distribution is changing how the life insurance industry serves modern consumers.

In this episode, we speak with AIMCOR Group employees: Marc Verbos, Executive Vice President, and Mike English, Sales Operations & Implementation Manager, about changing consumer expectations, how the insurance buying process needs to evolve, and how to tap into the large uninsured market.

Join us as we discuss:

- How AIMCOR is innovating to meet consumer expectations from a distribution perspective

- Streamlining the insurance buying process & new digital expectations of agents

- Tapping into the under-served market by using digital data sources

- The future of digital distribution

To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts, Spotify, or your preferred podcast platform.

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When it comes to insurance distribution today, we have to become more agile. We have to embrace the reality that modern consumers are expecting faster and more dynamic processes and experiences when they shop.

How can carriers start adopting a new approach to distribution?

In this episode, I speak with Zach Pugh, Director of Underwriting at Ethos Life, about his company’s philosphy that is driving explosive growth.

Join us as we discuss:

- 4 things that have helped Ethos grow so much so quickly

- Ways to leverage electronic health records and digital health data during distribution

- How companies can accommodate modern consumer expectations shopping for insurance The future of underwriting

To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts, Spotify, or your preferred podcast platform.

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The steady transition to electronic health records is changing the industry as we know it—and its impact will be felt across the entire spectrum of underwriting.

In this episode, we talk with Doug Ingle, President of Doug Ingle Underwriting Research LLC, about how emerging data sources are changing the game and what the future holds for underwriters and carriers.

Join us as we discuss:

- What underwriting transformation looks like

- The benefits of digital health data

- How EHRs can be used across the spectrum of underwriting

- Change management strategies for underwriting innovation

- How to incorporate data into automated underwriting

To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts, Spotify, or your preferred podcast platform.

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A paper-based process for obtaining health records can take weeks, sometimes longer. 

Yet it’s still the norm in life insurance today 

An electronic feed directly from platforms that the medical providers use, however, can cut that retrieval time down to two days (or less).

But speed to data is just one dimension of digital enablement. It’s how carriers use the data they secure to transform processes and buying experiences that matter. 

In this episode, we interview Alex Cook, SVP, Executive Management Committee Member, Head of Strategic Capabilities at New York Life Insurance Company, about how his company is enabling new digital capabilities for agents and consumers to transform the insurance buying and selling experience. 

In this episode we discuss:

Three digital enablement initiatives NYL is working on 

Sources of electronic health data that can bypass the need for APS retrieval

How New York Life’s new technological capabilities are driving digital enablement and transformation for insurance buyers and sellers 

Why digital enablement takes collaboration and partnership across the entire process

To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts, Spotify, or your preferred podcast platform. 

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Once upon a time in financial services companies, the balance sheet was the key competitive advantage.

Today, that advantage is becoming software — and knowing how to take control of your IT infrastructure is a core part of a successful business strategy. 

In this episode, I interview Farooq Sheikh , Insurance GTM Lead at Unqork , about the power of no-code, freeing ourselves as IT infrastructure hostages, and the dimensions of Unqork’s partnership ecosystem.

Farooq and I also discuss:

How Unqork’s no-code platform is accelerating insurance innovation

Timelines for building new application in financial services

How to take control of your technology journey 

Creating a partner ecosystem with a strategic and tactical approach

How Human API and Unqork are partnering together today

To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts , Spotify , or your preferred podcast platform. 

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It’s incredibly exciting to see underwriting times coming down from 45-60 days to just a few days or instantly. 

This speed - thanks to technology and data working together - is helping more people get the coverage they need. 

In this episode, I interview distribution veteran Bob Bland , founding CEO at LifeQuotes.com and President at Life Insurance Direct Marketing Association (LIDMA), about the evolution of technology and data in the life insurance space.

Bob talks with me about: 

- Realizing in the late 70s that technology would drive the future of life insurance

- Challenges he’s seeing in the industry today 

- Tech and EHRs accelerating underwriting speed 

- The importance of choosing kind and gentle messaging for applicants 

- How he’s seen life insurance evolve during his decades-long tenure 

Check out these resources we mentioned during the podcast:

- The 2021 LIDMA conference 

To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts , Spotify , or your preferred podcast platform. 

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A lack of innovation with insurance has stagnated growth for a number of years. But, with emerging FinTech opportunities, the insurance field has been refreshed–providing a more integrated experience for the customer and avenues to take strategic calculated risks.

Jasmine Jirele, Chief Growth Officer at Allianz, joins the show to discuss the future of insurance and how customer demands are pushing the change:

What we talked about:

- The Transition from Chief Growth Officer to CEO

- Financial Services & Technology

- Culture & Innovation

- Advice to Others

Check out these resources we mentioned during the podcast:

- Managing in Turbulent Times By Peter Drucker

- The Best of Me By David Sedaris

To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts, Spotify, or your preferred podcast platform.  

Nichole Meyers, SVP, Underwriting Propositions Lead for the Americas at Swiss Re

In this episode, we:

- Debunk the 5 most pervasive myths about EHR

- Track the rise of the patient portal

- Discuss how to achieve the transparency customers demand

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