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🎙️ Episode 17: From Risk Transfer to Risk Prevention: The Insurance Revolution
About the Guest:
Rob Galbraith is the Founder and CEO of Forestview Insights and author of the international bestseller The End of Insurance As We Know It (2019). With nearly 20 years at USAA pioneering advanced analytics before "data science" was even a term, Rob has over 25 years of experience in the financial services industry. He holds a Master's of Science in Insurance Management from Boston University and earned his CPCU, CLU, and ChFC designations. Rob helps century-old insurance companies build innovation capabilities and move beyond FOMO-driven change to strategic transformation.
Rob’s philosophy:
Innovation is a discipline no different than claims or underwriting.
Episode Highlights:
🔧 The USAA Innovation Culture
How did serving military families—often in remote locations with limited connectivity—force USAA to think differently about customer experience? Rob shares early insights from advanced analytics work that challenged conventional insurance wisdom.
📖 Five Years After “The End of Insurance”
Looking back at predictions made in 2019, Rob discusses what came true and what surprised him about how the industry evolved—including AI's transformational role now amplified by ChatGPT and generative AI.
đź’» Technical Debt: The Innovation Tax
Insurers were early technology adopters—1970s mainframes, 1980s desktop computers—but this created technical debt. Rob explores the role of platforms and ecosystems in overcoming this legacy burden
🚀 The Future: Risk Prevention Over Risk Transfer
The shift from reactive risk transfer to proactive risk prevention, including embedded insurance and parametric coverages, represents the coming transformation.​
đź“© Contact & Resources:
* LinkedIn: linkedin.com/in/rob-galbraith​
* Website: endofinsurance.com
* Book: The End of Insurance As We Know It: How Millennials, Insurtech, and Venture Capital Will Disrupt the Ecosystem (2019)
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit parakeetinc.substack.com
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By Jowanza JosephAbout the Guest:
Rob Galbraith is the Founder and CEO of Forestview Insights and author of the international bestseller The End of Insurance As We Know It (2019). With nearly 20 years at USAA pioneering advanced analytics before "data science" was even a term, Rob has over 25 years of experience in the financial services industry. He holds a Master's of Science in Insurance Management from Boston University and earned his CPCU, CLU, and ChFC designations. Rob helps century-old insurance companies build innovation capabilities and move beyond FOMO-driven change to strategic transformation.
Rob’s philosophy:
Innovation is a discipline no different than claims or underwriting.
Episode Highlights:
🔧 The USAA Innovation Culture
How did serving military families—often in remote locations with limited connectivity—force USAA to think differently about customer experience? Rob shares early insights from advanced analytics work that challenged conventional insurance wisdom.
📖 Five Years After “The End of Insurance”
Looking back at predictions made in 2019, Rob discusses what came true and what surprised him about how the industry evolved—including AI's transformational role now amplified by ChatGPT and generative AI.
đź’» Technical Debt: The Innovation Tax
Insurers were early technology adopters—1970s mainframes, 1980s desktop computers—but this created technical debt. Rob explores the role of platforms and ecosystems in overcoming this legacy burden
🚀 The Future: Risk Prevention Over Risk Transfer
The shift from reactive risk transfer to proactive risk prevention, including embedded insurance and parametric coverages, represents the coming transformation.​
đź“© Contact & Resources:
* LinkedIn: linkedin.com/in/rob-galbraith​
* Website: endofinsurance.com
* Book: The End of Insurance As We Know It: How Millennials, Insurtech, and Venture Capital Will Disrupt the Ecosystem (2019)
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit parakeetinc.substack.com