Andrew Land
speaker
155 appearances
2 recordings
1 series
first heard Jul 2021
last heard Aug 2022
Andrew Land’s voice in public audio — every appearance, attributed to the second.
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Appearances
Welcome to Orbit, the HG podcast series where we speak to leaders and innovators from across the software and tech ecosystem to discuss the key trends, the change, how we all do business.
My name is Andrew Land.
I'm a partner at HG, specializing in insurance, software and services.
And I'm thrilled to be joined today by my fellow insurance head George Netherton, of strategy consultants Oliver Wyman, and George runs their European insurance practice.
Thanks for coming along, George.
Thank you for having me.
Look, we're gonna talk today about unbundling, uh the unbundling of the insurance industry and it's a trend which um has really accelerated in the last few years.
Um it seems to me that for decades you had a an aggregation of products uh into very large multi country insurance giants.
They would do the whole value chain.
So
Customer acquisition, product design, underwriting, servicing customers, claims management.
And to some extent all parts of the sector were bundled up in a nicely wrapped package.
And that package was normally had a label on it like an AXA or an Aviva.
And that in insurance the conventional wisdom was that skill was good, the benefits of skill were obvious and so the bigger the better.
And I think the trend that we've seen, which is fascinating, is that in the last sort of five to ten years, there's been a very rapid unbundling of this business model.
So the various links in the value chain have been broken, smaller companies are emerging, and this trend seems to be driven partly by the growth in software and data.
So I'd like to kind of get into that and just understand how you see that unbundling development.
And then also how you think it may play out in the coming years.
So that yeah, that that that's interesting.
And and I guess the MGA market is perhaps the best example of that unbundling where you've seen this explosion of very, very niche and very specific MGAs develop and thrive in this market.
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