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The customer doesn't know what they don't understand
Insurance has always had one gap: customers don't understand the policy they buy. Now there is a second one. They don't understand where they bought it either.
Protection is coming loose from the policy
Insurance never leads in the five futures of AXA's 2026 Foresight Report, the Atlas of New Futures. The shared lesson is one: protection is separating from the policy, and the winner is whoever follows the function, not whoever defends the product.
When everyone is an insurer, what's left for the insurer
BCG says almost every company will become an insurer. The role left for the traditional insurer isn't selling a product, it's making others better insurers.
Insurance's growth problem isn't price, it's value
Insurance is the ultimate subscription business. But what grows a subscription isn't a lower price. It's a value people actually use.
Not a prediction market, but a 250-year-old debate
Much of what's marketed today as a "prediction market" is the modern version of a 250-year-old debate. The issue isn't technology, it's incentives.
How digitalization is changing risk and the value chain
Digitalization reduces some risks and transforms others; at the same time it quietly rewrites insurance's entire value chain.