sustaining the li industry in the 4ir€¦ · agility “it’s a bit like trying to move a...
TRANSCRIPT
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SUSTAINING THE LI INDUSTRY IN THE 4IR
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WHY DID I DO THIS RESEARCH?
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Hype
vs.
Reality
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WHAT IS GOING ON?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 93
Innate resilience?
![Page 4: SUSTAINING THE LI INDUSTRY IN THE 4IR€¦ · Agility “It’s a bit like trying to move a graveyard.” –Andrew (small insurer, CEO) “Innovation is only 20% of the problem,](https://reader036.vdocument.in/reader036/viewer/2022081612/5f7ab92dea67ad5cd8066e39/html5/thumbnails/4.jpg)
THE PROJECT
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 94
Research Market engagement
12
8
5 3
3 24 3
6
• 4IR
• Life insurance vs. other
• Latest strategy & innovation
thinking
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THE BIG P ICTURE
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4IRCreative
destruction
![Page 6: SUSTAINING THE LI INDUSTRY IN THE 4IR€¦ · Agility “It’s a bit like trying to move a graveyard.” –Andrew (small insurer, CEO) “Innovation is only 20% of the problem,](https://reader036.vdocument.in/reader036/viewer/2022081612/5f7ab92dea67ad5cd8066e39/html5/thumbnails/6.jpg)
THE 4 IR
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Linear
Speed
Ecosystems
Skills
4IR
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THE CYCLE OF CREATIVE DESTRUCTION
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 97
‘Godfather’ of innovation
Success syndrome
Creative
destruction
Time
Growth
Innovation
Differentiation
Maturity
Decline
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THE CYCLE OF CREATIVE DESTRUCTION
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 98
‘Godfather’ of innovation
Success syndrome
Dilemmas
A simple solution
Creative
destruction
![Page 9: SUSTAINING THE LI INDUSTRY IN THE 4IR€¦ · Agility “It’s a bit like trying to move a graveyard.” –Andrew (small insurer, CEO) “Innovation is only 20% of the problem,](https://reader036.vdocument.in/reader036/viewer/2022081612/5f7ab92dea67ad5cd8066e39/html5/thumbnails/9.jpg)
WHAT IS GOING ON?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 99
Innate resilience?
Research
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WHAT IS GOING ON?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 910
Innate resilience?
Market
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WHAT IS GOING ON?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 911
“Quite often we are trying so hard just to keep the wheels turning in
the current world, that it’s hard to imagine what the future world is
going to look like”.
- Frank (large insurer, established business focus)
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WHAT IS GOING ON?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 912
Innate resilience?
Market
![Page 13: SUSTAINING THE LI INDUSTRY IN THE 4IR€¦ · Agility “It’s a bit like trying to move a graveyard.” –Andrew (small insurer, CEO) “Innovation is only 20% of the problem,](https://reader036.vdocument.in/reader036/viewer/2022081612/5f7ab92dea67ad5cd8066e39/html5/thumbnails/13.jpg)
WHAT IS GOING ON?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 913
Innate resilience?
Market Research
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WHAT IS GOING ON?
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False sense of security
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 915
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 916
Restructure
Transformation
LeadershipStrategy review
Consultants
Acquisition
Look internationally
Spin-off insurer
Innovation unit
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 917
Start with the
foundation
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 918
Enablers
Partnerships
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 919
Partnerships
“In the future we will see more crowd-
sourced innovations - potentially
leveraging an ecosystem of
innovation partners to provide a
richer offering.”
- Brad (large insurer, technology executive)
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 920
Partnerships Leadership
Enablers
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HOW DO WE RETAIN OUR RELEVANCE?
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“Humans don’t like change, so our tendency is to be more incremental.
Many leaders have come from a world where change was something
that you went through and then it finished and there was stability. We
now live in a world where change is constant.”
- Greg (large insurer, technology executive)
![Page 22: SUSTAINING THE LI INDUSTRY IN THE 4IR€¦ · Agility “It’s a bit like trying to move a graveyard.” –Andrew (small insurer, CEO) “Innovation is only 20% of the problem,](https://reader036.vdocument.in/reader036/viewer/2022081612/5f7ab92dea67ad5cd8066e39/html5/thumbnails/22.jpg)
HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 922
Partnerships Leadership
People
Enablers
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 923
Partnerships
Inhibitors
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 924
Partnerships
“In a corporate environment,
we’re being schooled to think
that if you don’t protect your IP,
someone will steal it.”
- John (large insurer, established business)
![Page 25: SUSTAINING THE LI INDUSTRY IN THE 4IR€¦ · Agility “It’s a bit like trying to move a graveyard.” –Andrew (small insurer, CEO) “Innovation is only 20% of the problem,](https://reader036.vdocument.in/reader036/viewer/2022081612/5f7ab92dea67ad5cd8066e39/html5/thumbnails/25.jpg)
HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 925
Partnerships
“The corporate mindset is zero-sum -
they focus on making sure that they
don’t get done in, and they get that
little bit more than you do.”
- Hugo (large insurer, emerging business)
![Page 26: SUSTAINING THE LI INDUSTRY IN THE 4IR€¦ · Agility “It’s a bit like trying to move a graveyard.” –Andrew (small insurer, CEO) “Innovation is only 20% of the problem,](https://reader036.vdocument.in/reader036/viewer/2022081612/5f7ab92dea67ad5cd8066e39/html5/thumbnails/26.jpg)
HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 926
Partnerships
Inhibitors
Agility
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 927
Partnerships
Agility
“It’s a bit like trying to move a
graveyard.”
– Andrew (small insurer, CEO)
“Innovation is only 20% of the
problem, execution is the other
80%.”
– Clark (medium insurer, established business)
![Page 28: SUSTAINING THE LI INDUSTRY IN THE 4IR€¦ · Agility “It’s a bit like trying to move a graveyard.” –Andrew (small insurer, CEO) “Innovation is only 20% of the problem,](https://reader036.vdocument.in/reader036/viewer/2022081612/5f7ab92dea67ad5cd8066e39/html5/thumbnails/28.jpg)
HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 928
Partnerships
Agility
“That rational, highly cynical
actuarial mindset”
– Hugo (large insurer, emerging business)
“I’m not going to do anything until I
have 20 years of experience behind
me that proves this.”
– Frank (large insurer, established business)
Actuaries
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 929
Partnerships
Inhibitors
Agility
Urgency
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 930
Partnerships
Agility
Urgency
“We can do exciting stuff on a
computer and an iPad, but it
seems that a lot of brokers still
want paper.”
– Clark (medium insurer, established business)
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 931
Partnerships
Agility
Urgency
“We need to go at a pace that the
customer is used to. So radicalising
technology before a market is
ready for it is a wasted use of your
energy.”
– Kelvin (large insurer, emerging business)
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 932
Looking to the
future
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LOOKING TO THE FUTURE
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Cell
captives
Root
Comotion
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LOOKING TO THE FUTURE
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Simply
Pineapple
Indie
Hero Life
Naked
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LOOKING TO THE FUTURE
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Indie
Amazon
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LOOKING TO THE FUTURE
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Big partnership
play
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LOOKING TO THE FUTURE
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A little bit here…
A little bit
there…
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HOW DO WE RETAIN OUR RELEVANCE?
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 938
Enter the ecosystem Find a path to trust
People
Question your source
of resilience
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Thank you!
ACT U AR I AL S O CI E T Y 2 0 1 9 CO N V E N T I O N | 2 2 - 2 3 O CT O B E R 2 0 1 939