Insurance and Reinsurance ROEs are record low, the capital intensive model has not achieved product market fit despite a Gross Margin of 40%, model needs a revision

1. New Insurance Model?
San Francisco – June 2019

2. • Emerging Digital Business Models and the growth
opportunities
• How & When those will impact Customer Expectations and
Purchase Decisions;
• Leading edge in the use and integration of emerging
technology, value added services, Ecosystems and
Platforms.
Technology doesn’t change who we are, it magnifies who we
are
Next-Gen Commercial Insurance
Business Models

4. Protection Gap – Product/Market
Fit issues or opportunities?

5. » Customers are afraid of
insurance companies, they’re
worried about the fine print
» And customers have the lowest
brand attraction to insurance
companies, we just don’t speak
their language
» And generally customers don’t
understand relevance of
insurance to their lives
Our industry is facing
a global challenge

6. How can we resolve
such challenges?

9. Customer Journey

10. An Ecosystem

11. Clarity, Continuity,
Community

13. Building on Resilience

15. Momentum on your side …

16. momentum on your side
fgammoh@newtonunderwriting.com