Venkat Ramachandran

Venkat Ramachandran is industry principal (insurance) with HCL America and has 20-plus years of experience across core operations, business consulting and insurance solutions management.

Most Recent

New-Era Cars – Do They Spell Doom?

Venkat Ramachandran

At the least, innovations in cars will force insurers to rethink their business models in four key ways.

All Articles

What the U.K. Can Teach on Aggregators

Venkat Ramachandran

Aggregators collect lots of highly useful data -- but can, for instance, be used by consumers to try what-if scenarios and game their risk ratings.

Six Things

Have We Reached 'Peak Auto'?

By Paul Carroll

Amid all the turmoil in the auto market, as we move in fits and starts toward electric and even autonomous vehicles, here's a new wrinkle: Data suggest that car sales have peaked.

What's Holding Insurers Back on AI?

Carriers struggle to scale AI initiatives despite projected $19.9 trillion economic impact by 2030. Here are three key areas to focus on.

Dynamic Pricing Gives Insurers a Competitive Edge

Leveraging advanced analytics, AI, IoT sensors and telematics, insurers can now dynamically adjust premiums based on market conditions and behavioral patterns.

Language Barriers Create Claims Challenges

AI falls short in serving customers with limited English proficiency. Balancing technology with human interaction is key.

5 Marketing Tips for Insurance Agents in a Digital World

Insurance agents must adapt to digital-first consumers while maintaining personalized service in today's evolving marketplace.

Modernizing Life & Annuities for Millennials

Rather than viewing annuities as products that are simply “sold, not bought,” the industry must evolve to take advantage of a historic opportunity.

Liability Loss Trends to Watch

Record-breaking nuclear verdicts signal a dramatic shift in the liability landscaped in the U.S.

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