Robin Luo

Robin Luo is senior vice president at Munich Re/HSB Group.

Most Recent

White Vehicle Crossing a Tunnel in a Snowstorm

IoT Sensors Transform Winter Insurance Protection

IoT sensor technology emerges as critical defense against extreme weather events, presenting a huge opportunity for insurers.

Six Things

Why Zillow Chickened Out

By Paul Carroll

Zillow pulled its climate risk ratings from its home listings even though its model is widely validated. That's a bad sign for the movement to improve resilience.

Insurance Modernization Is Stalling

Carriers are confronting widening gaps between ambitious digital strategies and operational execution.

Embedded Insurance's Next Leap

Embedded insurance is transforming from a distribution tactic to a customer experience strategy as insurers prioritize seamless, friction-free protection.

Mortality Impact of GLP-1 Drugs

RGA study finds incretin drugs could reduce mortality up to 8.8%, so insurers should reassess assumptions.

This Is Not How Insurance Should Be Sold

Final expense call centers prioritize speed over service, creating predatory practices that target vulnerable senior populations.

Improving Insurance Data Quality

Insurance organizations are deploying AI and semantic ontologies to transform data quality challenges into competitive weapons.

2025 Reflections & 2026 Outlook for Insurance

Insurers are entering 2026 with one clear mandate: Strengthen the core to unlock scalable, AI-enabled growth. 

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