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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Um and in that case the the unbundling is sort of product underwriting and capital separating out.
Um
You know, to what extent do you think the MGA trend has been driven by by software and data versus other drivers, you know, people wanting to have an independent operating model, some of the issues with large carriers having to make underwriting decisions across too many different products with different risk characteristics.
So I'm interested in how that MGA trend is.
And I suppose yeah, the cyber market is fascinating because you have this this kind of concept of preventative insurance where uh because cyber attacks happen at source, if you can shut those off quickly, you can then reduce claims.
But getting them quickly requires a completely different set of skills.
And I suppose the argument would be that the the large integrated insurance companies would have struck
struggle to have offered that type of flexibility.
So yeah cyber market's another example of why this unbundling trend has been has has been arising.
Yeah.
And I suppose that yeah, that that that theme of prevention, it it's similar to what you've seen with telematics in in the motor insurance world where you try to preemptively reduce your claims um by use of that type of product and and and using data.
Um so it's a and it's an interesting one that I suspect we'll see in other other product lines as well.
Yeah.
And do you you know, when you're talking to the big insurance clients, and by that I I guess we're talking about the large carriers and underwriters, when they see these types of innovative drivers of unbundling, is that do they see that as a threat or do they see that as a as a way for them to do more business, get better claims ratios, be more efficient themselves?
I mean, how how do they how do they see these trends from
from from their perspective, their side to the table.
I guess yeah, it's it's it's an interesting topic because when you look at the insure tech space generally, it may still be too early to say which of those business models are gonna be long term viable because a a as you rightly point out, many of these
Innovations turn out to be flashes in the pan.
They are not really things that can scale up.
And you've seen that with the way in which the equity markets have punished a lot of the insur techs in the last few months.
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