Ruben Ugarte

Ruben Ugarte helps insurance organizations, teams and individuals make exponentially superior decisions.

He has done this across five continents, in three languages, and his ideas have helped hundreds of thousands of people.

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The best place to look for innovation is in the quality of decisions being made. Here are three ways you should evaluate your performance.

A report projects that within five years the world will surpass the temperature threshold that we hoped to stay within for the next 25 years.

The insurance and wider markets have created the perfect conditions for parametric insurance to grow.

Fittingly, this may be the shortest column in the history of ITL.

Insurers' traditional methods--enforcing limits on coverage and capacity, raising premiums and seeking reinsurance--are no longer adequate.

Despite the up-front costs, resilience must now be part of the entire property lifecycle -- from acquisition, to operations, to liquidation.

Insurers now wear their culture on their sleeves. They show whether they care about their customers by the ease of the customer journey.

AI is letting insurers simplify the customer journey, removing friction points and driving customer loyalty.