James Twining

Six long-term gravitational forces are likely to combine to tip the independent London wholesale insurance market into a different orbit. 

If we haven't reached peak-hype yet, then we surely can't be that far off. But the need to change is still very real.

Despite the threat of disintermediation, the broker survives and, in many case, prospers. Why is this?

Brokers operate under the threat of disintermediation, but they have the data and the relationships. Why do they even need insurers?

The insurance industry's continued attachment to the annual policy feels increasingly like a relic from a bygone age of quill and parchment.