Digital Insurance Innovator: Recent Episodes
Human API
Digital Insurance Innovator is a Human API podcast that celebrates business leaders who are building the future of insurance.
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:
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Application volume going back to pre-covid levels
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EHRs are pure upside, even if it’s not always instant decision making
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Consumers need speed and to understand the value of products better to grow new premiums
To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts, Spotify, or your preferred podcast platform.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
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
- How the buyer and distributor relationship is changing
- How carriers are looking at customers from a longer term perspective
To hear more interviews like this one, subscribe to the Digital Insurance Innovator Podcast on Apple Podcasts, Spotify, or your preferred podcast platform.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
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:
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How AIMCOR is innovating to meet consumer expectations from a distribution perspective
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Streamlining the insurance buying process & new digital expectations of agents
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Tapping into the under-served market by using digital data sources
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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.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
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:
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4 things that have helped Ethos grow so much so quickly
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Ways to leverage electronic health records and digital health data during distribution
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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.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
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:
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What underwriting transformation looks like
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The benefits of digital health data
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How EHRs can be used across the spectrum of underwriting
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Change management strategies for underwriting innovation
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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.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
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.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
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.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
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:
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Realizing in the late 70s that technology would drive the future of life insurance
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Challenges he’s seeing in the industry today
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Tech and EHRs accelerating underwriting speed
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The importance of choosing kind and gentle messaging for applicants
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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.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
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:
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The Transition from Chief Growth Officer to CEO
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Financial Services & Technology
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Culture & Innovation
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Advice to Others
Check out these resources we mentioned during the podcast:
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Managing in Turbulent Times By Peter Drucker
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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:
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Debunk the 5 most pervasive myths about EHR
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Track the rise of the patient portal
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Discuss how to achieve the transparency customers demand
Never miss an episode of Digital Insurance Innovator on Apple Podcasts, Spotify, or our website.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
Society isn’t what it used to be — so why should life insurance remain the same?
Supporting customers in living longer and healthier lives is at the core of John Handcock’s philosophy and it shows through their innovative offerings.
In this episode, I interview Lindsay Hanson, Head of Behavioral Insurance, Global Strategy and Delivery at John Hancock, about…
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How John Hancock’s partnership with Discovery Vitality is improving lives
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What personalized customer engagement looks like and its benefits
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The impact of COVID-19 on the Vitality program and necessary pivots made
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Why John Handcock’s business innovation lessons need to be replicated
Get in touch with your host Richard Dufty by email or Twitter!
Never miss an episode of Digital Insurance Innovator on Apple Podcasts, Spotify, or our website. Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
Life insurance ownership has decreased by half since the mid 80s. And it’s not because modern generations aren’t aware of it. It’s because the life insurance buying experience hasn’t been updated to meet modern expectations.
On today’s show, our guest Jamie Hale, CEO & Co-Founder of Ladder, explains how he’s transforming the life insurance buying process into a simple, quick, and digitally relevant experience.
Topics we discussed:
- Building a D2C life insurance product from the ground up using best-of-breed modern technology
- What people expect from a modern buying experience
- Giving consumers the option of dynamic life insurance
- Driving ongoing engagement with customers
Get in touch with your host Richard Dufty by email or Twitter.
Never miss an episode of Digital Insurance Innovator on Apple Podcasts, Spotify, or our website.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
If an experience is confusing, time-consuming, and not immediately beneficial — and involves getting your blood drawn — you probably aren’t lining up.
The life insurance product needs to become a more frictionless life insurance experience.
In this episode, I interview Sarah Bennett, Chief Marketing Officer at Legal & General America (LGA), about marketing and life insurance.
Sarah talked with me about:
- How to market to B2C and B2B channels with brokerage and distribution
- Creating better consumer engagement and transparency
- Strategies to use data to create a better experience for both consumers and brokers
Get in touch with your host Richard Dufty by email or Twitter.
Never miss an episode of Digital Insurance Innovator on Apple Podcasts, Spotify, or our website.
Listening on a desktop & can’t see the links? Just search for Digital Insurance Innovator in your favorite podcast player.
Healthcare data lies at the root of innovation in the industry.
In our pilot episode of Digital Insurance Innovator, we are joined by Paolo DeMartin, CEO at SCOR Global Life, and Andrei Pop, Founder and CEO at Human API, to talk about short- and long-term trends in life insurance and health data.
We heard from Paolo and Andrei about:
- Trends and changes happening within life insurance
- How life insurance is moving from a product to an experience
- Embracing a data-first approach for greater consumer engagement
- The partnership between SCOR and Human API
Resources we mentioned during the podcast:
- Paolo was inspired to a new appreciation for curiosity by Walter Isaacson’s Leonardo da Vinci
- Andrei recommends Ray Dalio’s Principles and John Steinbeck’s East of Eden
Get in touch with your host Richard Dufty by email or Twitter.
Never miss an episode of Digital Insurance Innovator on Apple Podcasts, Spotify, or our website.
We’re so proud and pleased to launch our podcast, Digital Insurance Innovator, a Human API podcast featuring candid stories from leaders about the state of insurance innovation.
In this introductory episode, producer Logan Lyles interviews podcast host Richard Dufty, Chief Commercial Officer at Human API, about what listeners can expect from the show.
What we talked about:
- What Human API is and what it solves
- Emphasizing the stories and experiences of our innovation leader guests
- Leaving each episode feeling motivated with tangible outcomes
- A sneak peek of our first guests
Get in touch with Richard by email or Twitter.