CPCU ANNUAL MEETING. Future of underwriting. September 2016
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1 CPCU ANNUAL MEETING Future of underwriting September 2016
2 TECHNOLOGY IS DRIVING SEISMIC SHIFTS 1
3 1. The Manual to Digital Shift There is a superhuman assistant for all your needs. Driverless cars Smart machines with ability to think Wearable devices Technology is fundamentally challenging assumptions about what is a machine covering all aspects of life making work easier, simpler, better almost like a super-human assistant 2
4 2. Mobility and Flexibility Time and place no longer matter anywhere anytime is the buzz-word Source: Citrix.com Technology is changing how things are done, mobile work from home, closer collaborations sharing screen data, editing one video, one document being worked upon by multiple people, social networks 3
5 3. Immediacy Everything is available at a click, on demand Instant gratification 24 by 7 convenience, faster way to do everything, simpler, objective interpretations, on demand, information at finger tips 4
6 4. Nature of Data is Changing Simpler, visual, aggregated, easily available, greater ability to learn big data, complex data is turned into meaningful bytes easily, businesses using big data, 3D imaging data is more real 5
7 5. Many in One The era of more Multi-tasking, ability to be in many places at once, as geographical distance does not matter, automate tasks, connected devices with one touch control, smart home appliances 6
8 6. Time is the new currency Time-saved is money saved, improvement in productivity, time efficient technologies, everything is faster than before - automate tasks to save time, smart CRM systems, paper to online, get all data in one place for a meeting to start 7
9 7. Open cultures less hierarchy, less predefinitions Roles are not strictly pre-defined, more collaboration, ability to cross-task, functional and organizational hierarchies are disappearing, less formal, social networking, collaboration tools 8
10 8. The Workspace of Future Manual to Digital Segregated to Integrated Time consuming to Within minutes Individual to Collaborative Formal to Flexible Textual to Visual Cluttered to Simplified Fast, Information at a Click Ease of Collaboration 9
11 LEADING TO CHANGE MAJOR CHANGES IN INSURANCE 10
12 Expectations: Near and Mid Term Expectations: Insurance Innovation Expectations: Insurance Analytics Next 2 to 5 Years Advanced Analytics Solutions Insurance Data Models Agency Portal Solution Digitization Use of Social Media Next 5 to 10 Years Smart Machines P&C Insurance APP Store Telematics Insurance Data Models Wearables Source Hype Cycle for P&C Insurance, 2016, Gartner, June
13 Insurance will be disrupted! 1 Smart Machines 2 New Paradigms 3 Non Traditional Competition Internet of Things (IoT) Drones, Autonomous Cars, Telematics Big Data & Artificial Intelligence Genetics & Wellness Property/Title centrally registered globally (Blockchain) New Risks appear, some dissapear Switch on/switch off coverage Consumer channels Social Insurance (Crowd sourced) Non-Insurance entrants Re-Insurers What are core capabilities for future success? How will you prepare and when do you move? What impact does it have on your Capital? 12
14 HOW WILL ROLE OF THE UNDERWRITER CHANGE? 13
15 Evolution: Commercial Insurance Underwriting Manual Automation 2x Underwriting Productivity 2% Loss Ratio 0.5% Expense Ratio
16 How underwriters have been traditionally - 70% time spent on low value tasks - Trouble getting information in one place - Swivel chair and integration issues - Challenge comparing data from multiple sources - Communication gaps when collaborating with experts and brokers Solution: Work Smarter 15
17 TECHNOLOGY &BIG DATA REQUIRE RETHINKING YOUR APPROACH 16
18 WAKE UP!!! 17
19 The Future of Commercial Underwriting Search, Aggregate, Analyse, Visualize and Learn Processes Transformed Structured EXTERNAL Experian, Lexis Nexis, PAS Call Credit, Telematics. INTERNAL PAS, Datawarehouse, Claims, Billing Case Underwriting 2. Renewal Analysis 3. Portfolio Analysis 4. Data Validation (e.g. Quote information validation, Automated Premium Audit for WC) 5. Form Filling (e.g. Enabling B2C SME Business, Quick quote, etc.) Unstructured EXTERNAL 6. Large Loss Investigation 7. Proactive Marketing 1 8
20 Commercial Underwriting Process Analytical Technique Outcome Form Theory Traditional Approach Descriptive Analytics What is happening Observe Data Hindsight Confirm Diagnostic Analytics Why did it happen Observe Data New Approach Predictive Analytics What is likely to happen *Identify Pattern Foresight Form Theory Prescriptive Analytics What should I do about it *Includes machine learning and deep learning 19
21 Fundamental: Transformation of Risk Assessment Statistically Similar Unique Risk Propensity Looking Backward Looking Forward 20
22 Evolution: Commercial Insurance Underwriting Manual Automation Assisted Artificial Intelligence 2x Underwriting Productivity 2% Loss Ratio 0.5% Expense Ratio 5x Underwriting Productivity 5% Loss Ratio 1 2% Expense Ratio 10x Productivity 2x Growth 10 15% NCOR
23 The Evolving Role of Underwriter More strategic Understand the big picture about customers and hence predict desirable leads, cross-selling opportunities, messaging More innovative Help with product development by defining requirements, pricing frameworks, key trends based on third party data and customer behavior unique insights More customer centric Build and enable a team approach to account servicing via collaborative tools and democratic information access. Leading to better solutions and increased customer loyalty. More data savvy Machine learning, AI and big data enable to use analytical approach to improve precision and new kinds of data prediction and predictive modeling. Underwriter of tomorrow will straddle multiple roles, beyond the current job predefinitions. Source : E&Y 22
24 Underwriters of The Future
25 24
26 2016, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information storage or retrieval system nor should the materials be disclosed to third parties without the express written authorization of Intellect Design Arena Limited.
27 Expectations: Insurance Innovation Source Hype Cycle for P&C Insurance, 2016, Gartner, June
28 Expectations: Insurance Analytics Source Hype Cycle for P&C Insurance, 2016, Gartner, June
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