Innovation & Technology

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Insurance AI Is Stuck in Low-Risk Mode

By

Jawwad Rasheed

Insurers experimenting with AI agents face an automation ceiling, with only 11% of projects reaching production because of trust and control concerns.
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'SaaSpocalypse' Debate Misses the Real Issue

By

Mike Ettling

AI won't replace SaaS platforms, but vendors must prove their value by delivering measurable business outcomes for insurers.
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Malaysia Sets Global Blueprint for Digital Insurance

By

Ryan Mitchell

Malaysia's SPIKPA mandate reveals why specialized, API-integrated platforms are displacing generalist aggregators in compulsory insurance.
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Countdown to 'Q-Day' for Cyber Insurers

By

Chris Hickman

Quantum computers threaten current encryption methods. Cyber insurers must assess clients' post-quantum cryptography readiness before "Q-Day" arrives.

AI & Machine Learning

'SaaSpocalypse' Debate Misses the Real Issue

AI won't replace SaaS platforms, but vendors must prove their value by delivering measurable business outcomes for insurers.

Insurance AI Is Stuck in Low-Risk Mode

Jawwad Rasheed

Insurers experimenting with AI agents face an automation ceiling, with only 11% of projects reaching production because of trust and control concerns.

Agentic AI Must Prioritize Decision Velocity

Prem Naveen

Agentic AI's true value in insurance lies not in speed alone, but in decision velocity with built-in governance and accountability.

Blockchain

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10 Game-Changing Insurance Technologies to Watch

Abhishek Peter

From AI and blockchain to IoT sensors, 10 emerging technologies are transforming insurance operations and customer experiences in 2025.

Aerial View of Sailboat on Tranquil Blue Waters

The New Insurance Landscape in 2025

Brian O’Connell

AI is shifting into higher gear, transforming insurers from product providers to real-time risk managers.

Cyclone Fence with Lock in Shallow Photography

Role of ILS In Traditional Risk Transfer

Amir Kabir

The insurance-linked securities market reaches the $50 billion milestone as investors seek uncorrelated returns amid increasing catastrophic risks.

Cyber

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Countdown to 'Q-Day' for Cyber Insurers

Chris Hickman

Quantum computers threaten current encryption methods. Cyber insurers must assess clients' post-quantum cryptography readiness before "Q-Day" arrives.

July 2026 ITL FOCUS: Cyber

Insurance Thought Leadership

ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.

The 4-Minute Mile of Cybersecurity

Timothy O'Neil

Historical threat data and AI are finally enabling cybersecurity teams to forecast attacks once thought impossible to predict.

Data Analytics

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'SaaSpocalypse' Debate Misses the Real Issue

Mike Ettling

AI won't replace SaaS platforms, but vendors must prove their value by delivering measurable business outcomes for insurers.

Best Practices for AI Coding in Insurance

Dan Woods

Insurers can safely cut development costs by 75% if they treat AI-generated code like a junior engineer's work.

Strategic Framework for Unifying Insurance Data

Ryan McElroy

Federated data models offer insurers a pragmatic unification path that accepts fragmentation rather than fighting it.

Ecosystems

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The Wasted Insurance Opportunity in AI Subscriptions

Manjunath Krishna

Fifty million AI subscribers are generating new exposures daily, yet insurers are writing exclusions instead of embedding coverage.

The Key to Scaling Embedded Insurance

Yuri Poletto

The industry's real scaling problem is a lack of organizational mandate and cross-functional accountability, not technical limitations.

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Insurance Is Disappearing--in a Good Way

Pedro Suplicy

As embedded insurance becomes digital infrastructure, AI-driven protection shifts from episodic product to continuous, real-time capability.

Emerging Technologies

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Countdown to 'Q-Day' for Cyber Insurers

Chris Hickman

Quantum computers threaten current encryption methods. Cyber insurers must assess clients' post-quantum cryptography readiness before "Q-Day" arrives.

Quantum Computing for Insurance Still Years Away

Mark Brown

Quantum computing holds promise for complex financial modeling, but current technology is limited by noise and qubit count.

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An Urgent Need for Post-Quantum Cryptography

Garfield Jones

Organizations delaying the shift to post-quantum cryptography face major risks, as classical encryption schemes may break.

Going Digital

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Malaysia Sets Global Blueprint for Digital Insurance

Ryan Mitchell

Malaysia's SPIKPA mandate reveals why specialized, API-integrated platforms are displacing generalist aggregators in compulsory insurance.

Underwriting Needs Operating Models, Not Technology

Emma Davies

Traditional insurers must rebuild their operating foundations before new technology can let them match the agility of MGAs and insurtechs.

Moving to a 'Platform Economy'

David Lien

As generating traffic becomes a commodity capability, competitive advantage shifts from managing customer relationships to participating in their decisions.

IOT

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June 2026 ITL FOCUS: Internet of Things

Insurance Thought Leadership

ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.

The IoT in Insurance: From Watching Coffee Pots to Preventing Fires

Insurance Thought Leadership

Bob Marshall, CEO of Whisker Labs and the poster child for Predict & Prevent, explains what it takes to bring an IoT-based innovation to a conservative, data-driven industry.