The Future of Insurance
For over a century, the Insurance industry has stood by people at the worst moments of their lives, and kept the risk of these moments from standing in the way of people pursuing their dreams. But the industry, and the demands of the people we serve, are changing. The Future of Insurance podcast brings you thoughts from leaders from across the industry to help inspire and inform how we can all help evolve into the future. Brought to you by Bryan Falchuk, industry veteran and author of the best-selling series, "The Future of Insurance: From Disruption to Evolution"
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The Future of Insurance – Laurna Castillo, SVP, CSAA Insurance Group (Live @ ITC Vegas 2025)
11/18/2025
The Future of Insurance – Laurna Castillo, SVP, CSAA Insurance Group (Live @ ITC Vegas 2025)
Episode Info As Senior Vice President, Laurna leads the company’s Western State Product and Club Experience teams, which are responsible for the performance of personal lines insurance products across CSAA Insurance Group’s Western markets. She also oversees the Club & Agency Experience teams, which are responsible for the operations and experience of CSAA’s largest distribution channel, AAA clubs. Laurna started her insurance career at CSAA Insurance Group as an Actuarial Analyst and rose rapidly through the company’s ranks. Subsequent roles of increased responsibility include Actuarial Supervisor and State Product Manager/Executive, before being promoted to VP in 2020. She has a degree in Applied Mathematics with a focus on Actuarial Science from UC Berkeley. She also is an Associate of the Casualty Actuarial Society and sits on the board of the California FAIR Plan and the Advisory Board for the Wildfire Interdisciplinary Research Center (WIRC) at San Jose State University. Born in Liverpool, UK, Laurna has lived in California since 2001. In her spare time, she enjoys playing games with her children and traveling with friends and family. Episode Overview: Laurna Castillo, SVP at CSAA Insurance Group, discusses the evolving landscape of the insurance industry, particularly in California. Recorded live at ITC Vegas 2025, the conversation delves into the challenges and opportunities facing insurers today. Key Topics Discussed: Commitment to California: Laurna discusses CSAA's longstanding commitment to the California market, emphasizing the importance of staying engaged despite the challenges posed by natural disasters like wildfires. The conversation highlights CSAA's strategic approach to maintaining viability in a tough market, focusing on careful rate management and community engagement. Wildfire Mitigation and Community Engagement: The episode explores CSAA's proactive measures in wildfire mitigation, including collaboration with the Insurance Institute for Business & Home Safety (IBHS). Laurna shares insights on the societal and educational aspects of encouraging property owners to adopt fire-safe practices. Regulatory Changes and Industry Adaptation: Discussion on the new sustainable insurance strategy introduced by the Department of Insurance and its implications for the industry. Laurna explains how these regulatory changes allow insurers to incorporate catastrophe models and reinsurance costs into their rates, a significant shift from past practices. Future Outlook: The episode concludes with a forward-looking discussion on the potential paths out of the current insurance availability crisis in California. Laurna emphasizes the need for a long-term commitment to market stability and resilience, highlighting the generational nature of these efforts. Conclusion: Join us for this engaging episode as Laurna Castillo provides a comprehensive view of the insurance industry's future, focusing on innovation, resilience, and community involvement. Whether you're an industry professional or simply interested in the future of insurance, this episode offers valuable insights and practical strategies for navigating the challenges ahead. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Gil Arazi, Founder & Managing Partner, FinTLV Ventures (Live @ ITC Vegas 2025)
11/11/2025
The Future of Insurance – Gil Arazi, Founder & Managing Partner, FinTLV Ventures (Live @ ITC Vegas 2025)
Episode Info Gil Arazi is the Founder and Managing Partner of FinTLV Venture Capital – a leading global late stage Insurtech VC (Hippo, Next Insurance, Unqork, Corvus, wefox and many more). FinTLV works very closely with dozens of the leading global insurers and re-insurers – to provide real value to its’ portfolio companies. Therefore, Gil is a board member/observer in Hippo, Next Insurance, Pattern, iFeel, Assured Allies, Lovys, and more. Gil has 20 Years’ experience as a senior executive and board member at the largest insurance companies in Israel and is a seasonal entrepreneur in the insurtech startup ecosystem. Episode Overview: Gil Arazi is a seasoned expert in the insurance industry and the visionary behind FinTLV Ventures. Recorded live at ITC Vegas 2025, this conversation delves into the transformative trends shaping the insurance landscape, with a focus on innovation, prevention, and the integration of technology. Key Discussion Points: Background and Experience: Gil Arazi shares his journey from Tel Aviv to becoming a prominent figure in the global insurance industry, highlighting his 30 years of experience and leadership roles in companies like Generali. The Birth of FinTLV Ventures: After leaving corporate life due to internal politics, Arazi founded FinTLV Ventures, which has grown into a leading insurtech venture capital firm. The firm has successfully invested in companies like Hippo and Corvus. Investment Focus and Industry Trends: Arazi discusses FinTLV's strategic focus on cyber insurance and the shift towards profitable growth in the insurance sector. He emphasizes the importance of understanding industry trends to guide investment decisions. The Role of Prevention in Insurance: A significant portion of the conversation centers around the need for the insurance industry to focus on prevention. Arazi argues that prevention can lead to substantial savings on future claims and improve societal well-being. The Spark Consortium: Arazi introduces "," a consortium aimed at integrating proven technologies from various sectors into insurance products. This initiative seeks to drive prevention and innovation within the industry. Challenges and Opportunities: The discussion also touches on the challenges of implementing innovative solutions in a traditionally conservative industry. Arazi highlights the potential of quantum computing and other emerging technologies to revolutionize insurance practices. Conclusion: This episode offers a deep dive into the future of insurance through the lens of innovation and technology. Gil Arazi's insights provide a roadmap for industry leaders looking to embrace change and drive growth in a rapidly evolving market. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Amy Antczak, Co-Founder & COO, GreenieRe (Live @ ITC Vegas 2025)
11/04/2025
The Future of Insurance – Amy Antczak, Co-Founder & COO, GreenieRe (Live @ ITC Vegas 2025)
Episode Info Amy Antczak, COO of , brings nearly two decades of experience working in the legal and insurance industries to her role as Chief Operating Officer for GreenieRE. In her previous leadership positions at Energetic Capital, CNA, and AIG, Amy leveraged her law degree to manage complex financial lines claims, professional liability cases, and corporate litigation. Episode Background: Amy Antczak is the Co-Founder and COO of GreenieRe, a pioneering reinsurance company focused on supporting the renewable energy sector. Recorded live at ITC Vegas 2025, this conversation delves into the challenges and opportunities within the insurance industry as it adapts to the growing demand for renewable energy solutions. Key Discussion Points: Introduction to GreenieRe: Amy shares her journey from a legal background and extensive experience in the insurance industry to co-founding GreenieRe. GreenieRe's mission is to remove bottleneck risks that hinder the deployment of decarbonization infrastructure. Challenges in Renewable Energy Insurance: The episode explores the lack of capacity in the insurance market for renewable energy projects and how GreenieRe is addressing this gap. Amy discusses the importance of making renewable energy projects more bankable and financeable. Innovative Solutions: GreenieRe's approach to providing surety bonds for renewable energy projects and the launch of their own surety bond program. The role of reinsurance in supporting primary insurers and enabling them to cover renewable energy risks. Future Outlook: Amy emphasizes the potential of insurance as a force for good in combating climate change and the need for collaboration across the industry. The episode concludes with a call to action for the insurance industry to embrace innovative solutions and work together to support the transition to renewable energy. Conclusion: This episode provides a compelling look at how the insurance industry can play a pivotal role in the transition to renewable energy. Amy Antczak's insights highlight the importance of innovation and collaboration in overcoming the challenges faced by the sector. Whether you're an insurance professional or interested in the future of renewable energy, this episode offers valuable perspectives on the evolving landscape of insurance. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Peter Settel, CEO, Bold Penguin (Live @ ITC Vegas 2025)
10/28/2025
The Future of Insurance – Peter Settel, CEO, Bold Penguin (Live @ ITC Vegas 2025)
Episode Info Peter Settel, CEO of , is a business and technology leader with a proven track record of leading technology-led growth companies across the insurance sector. Prior to Bold Penguin, Settel was the Enterprise Chief Strategy Officer and Information Officer at American Family Insurance. Before that, Peter spent 17 years as a senior executive leading capability development at Homesite Insurance. Peter spent his early career at Cambridge Technology Partners and as a leader at MediaLink Interactive. Settel holds a Bachelor of Science degree in Finance and Investments from Babson College. Introduction and Background: Recorded live at ITC Vegas 2025, Peter shares his extensive experience in the insurance technology sector, spanning over 25 years, and discusses the transformative journey of Bold Penguin from a startup to a leading enterprise technology provider in the insurance industry. Key Discussion Points: Introduction to Peter Settel and Bold Penguin: Peter Settel introduces himself and provides a brief overview of his career in insurance technology, starting with his role at Homesite Insurance and his journey through various leadership positions. An introduction to Bold Penguin, highlighting its evolution from a venture-backed startup to a significant player in the insurance technology space. Bold Penguin's Strategic Growth: Discussion on the acquisition of Bold Penguin by American Family Insurance in 2021 and Peter's transition to CEO . Insights into Bold Penguin's strategy to maintain its independence while serving the broader insurance market . Technology and Market Impact: Exploration of how Bold Penguin leverages digital technologies to enhance distribution platforms for small commercial insurance . The role of AI and digital transformation in reshaping the insurance landscape, with a focus on competitive positioning . Future of Insurance Distribution: Peter discusses the importance of maintaining a robust distribution network that includes agents, brokers, and carriers . The challenges and opportunities in balancing traditional insurance practices with innovative digital solutions . Audience Engagement: The episode encourages listeners to think about the future of insurance distribution and the role of technology in driving industry change. Conclusion: Peter Settel provides a compelling vision for the future of insurance, emphasizing the critical role of technology in driving efficiency and growth in the industry. This episode is a must-listen for anyone interested in the intersection of insurance and technology. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance - Alex Timm, Co-Founder & CEO, Root Insurance
10/21/2025
The Future of Insurance - Alex Timm, Co-Founder & CEO, Root Insurance
Episode Info With a vision of completely transforming the car insurance industry, Alex founded in 2015 on the principle that rates should be based primarily on driving behaviors, not demographics. As Founder and Chief Executive Officer, Alex leads the company in revolutionizing this outdated industry using mobile technology and data science to offer personalized car insurance rates to good drivers. Today, Root Insurance is the largest Property & Casualty InsurTech in the country. Throughout his insurance career, Alex has built expertise in pricing and reserving, finance, and mergers and acquisitions. Before founding Root, Alex worked at Nationwide Insurance as a senior strategy consultant for the Property & Casualty lines of the business. Alex is a Fellow of the Casualty Actuarial Society, a Henry Crown Fellow of the Aspen Institute, and a member of the American Academy of Actuaries. Episode Highlights Alex Timm, leveraging his actuarial background and experience in corporate strategy, co-founded Root Insurance to revolutionize the insurance industry by focusing on customer-centric experiences and technological innovation. Root Insurance integrates big data and machine learning to enhance pricing models and customer experiences, notably through partnerships like the one with Carvana. The company prides itself on controlling its technology stack, enabling a seamless insurance purchase process. Alex highlights the importance of diversity and continuous technological investment to address industry challenges and drive innovation. Root Insurance remains committed to transforming the insurance landscape by embedding insurance solutions and refining its technological capabilities. Introduction and Background: Alex Timm, an actuary by training, co-founded Root Insurance on March 14, 2015. His background in the insurance industry is deeply rooted, with his father being an insurance entrepreneur. Timm's passion for math and his experience in corporate strategy at a large insurance carrier led him to identify gaps in customer expectations and technological advancements within the industry. Vision and Innovation: Root Insurance was founded to address the lack of customer-centric experiences in the insurance industry. Timm was driven by the advent of big data and machine learning, aiming to leverage these technologies to match price to risk more effectively . The company has developed a seamless customer experience by embedding insurance directly into the vehicle purchase process, exemplified by their partnership with Carvana. Technological Advancements: Root Insurance controls its technology stack, allowing for seamless integration and a three-click purchase experience. This technological control is a significant advantage, enabling the company to refine pricing models and algorithms continuously. The use of telematics and other data sources is central to Root's strategy, but the company also emphasizes that telematics is just one aspect of their broader technological and pricing strategy. Challenges and Industry Insights: Timm acknowledges the challenges of underwriting profitably and the need for innovation in the insurance industry. He emphasizes the importance of diversity in thought and background to drive innovation. The interview touches on the broader industry context, including the challenges of going public and the need for continuous investment in technology to deploy advanced algorithms. Conclusion: Alex Timm's leadership at Root Insurance is characterized by a commitment to innovation, customer experience, and leveraging technology to transform the insurance industry. The company continues to evolve, focusing on embedding insurance solutions and refining their technological capabilities. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – ITC Vegas 2025 Recap
10/17/2025
The Future of Insurance – ITC Vegas 2025 Recap
Episode Info I provide insights from 2025, focusing on the significant impact of artificial intelligence (AI) in the industry. I saw the power of the democratization and proliferation of AI models, which are enabling new solutions in the market. The emphasis was on empowerment rather than replacing staff, recognizing the need for more workforce due to overwork and burnout. I also got to be a judge at Guidewire's InsurePitch event, which featured pitches from five insurtechs, four of which focus on claims. This reflects a renewed interest in claims within the industry. Networking was a significant aspect of the conference as always, and it seemed like you never had enough time given how many great conversations can be had in this very unique coming together of so many forward thinking people and companies in Insurance. Episode Highlights This is my recap of the ITC Vegas 2025 conference, highlighting several key insights: Impact of Artificial Intelligence: A major theme was the transformative role of AI in the industry. The conference emphasized the democratization and widespread adoption of AI models, which are creating new market solutions. The focus is on using AI to empower the workforce rather than replace it, addressing issues like overwork and burnout. Claims Back in the Spotlight: There was a renewed focus on Claims-specific solutions, with 80% of the companies competing for the Guidewire InsurPitch prize being Claims solutions. Networking and Collaboration: Networking was a crucial part of the conference, with attendees engaging to drive industry progress. Despite time constraints, the speaker valued the opportunity to connect with peers and share ideas, which is vital for industry advancement. Overall, the conference had a strong focus on AI's pivotal role in industry transformation, the centrality of claims in insurance, and the importance of networking and collaboration for future growth. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance Podcast – Live with Rob Galbraith at the 2025 PLRB Innovation Summit
09/16/2025
The Future of Insurance Podcast – Live with Rob Galbraith at the 2025 PLRB Innovation Summit
Episode Info Rob Galbraith is the founder and CEO of Forestview Insights and is the author of the international bestselling book, . Rob is an award-winning speaker who has shared his unique insights at numerous events around the globe on the topics of innovation, insurtech, and the future of insurance. Rob has over 25 years of experience in the financial services industry in a variety of innovation and leadership positions at AF Group, USAA, and the Federal Reserve Board. Episode Highlights The interview with Rob Galbraith at the 2025 PLRB Innovation Summit covers several key topics related to innovation in the insurance industry. Rob Galbraith, the founder and CEO of Forestview Insights, discusses his role in consulting and training traditional companies, particularly in the insurance sector, to foster a culture of innovation. Key points from the interview include: Building a Culture of Innovation: Rob emphasizes the importance of creating a sustainable culture of innovation within companies, which goes beyond the efforts of a single leader or project. He highlights that innovation should be treated as a discipline similar to underwriting or actuarial science. Challenges in Innovation: He acknowledges the difficulties companies face in maintaining innovation, particularly in aligning IT projects with business needs. Rob shares his experiences with core system projects and the challenges of implementing new systems that meet business requirements. Role of AI: The discussion touches on the potential of AI to address technical debt and streamline processes in the insurance industry. Rob shares insights on how AI can help in summarizing regulatory documents and customizing systems without extensive manual programming. Long-term Perspective in Insurance: Rob discusses the long-term nature of the insurance business and how this perspective can be advantageous for innovation. He suggests that the industry's focus on long-term outcomes could support a more thoughtful approach to innovation. Overall, the interview provides valuable insights into the strategies and challenges of fostering innovation in the insurance industry, with a focus on the role of leadership, culture, and technology. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Cayce Lunch, National Managing Partner, Tyson & Mendes
09/02/2025
The Future of Insurance – Cayce Lunch, National Managing Partner, Tyson & Mendes
Episode Info Cayce E. Lynch is the National Managing Partner and an Equity Partner at Tyson & Mendes. In this capacity, she leads the firm’s strategic vision and execution across all offices, focusing on optimizing the firm’s performance and addressing challenges in the evolving insurance defense industry. As part of the firm’s executive leadership team, Ms. Lynch is passionate about fostering a culture centered on people while driving results, reflecting her belief that organizations thrive when they balance purpose with humanity. Under Ms. Lynch’s leadership, the firm has more than quadrupled in size and strengthened its reputation as a leader in insurance defense. She is the founder of several transformative initiatives, including the Tyson & Mendes Women’s Initiative, Young Professionals Group, and Diversity & Inclusion Committee, which provide mentorship and support for the firm’s attorneys and staff as well as insurance professionals nationwide. She also established Tyson & Mendes University, the firm’s premier internal education program that delivers unparalleled training for attorneys to ensure excellence in legal practice and client service. In her leadership, Ms. Lynch prioritizes work-life harmony over rigid concepts of “balance.” She is a vocal advocate for supporting working parents, empowering underrepresented groups, and encouraging individuals to fully embrace authenticity in their work. Her initiatives and approach aim to support employees in thriving personally and professionally. An industry-recognized speaker and educator, Ms. Lynch regularly presents CE and MCLE updates on topics such as preventing Nuclear Verdicts® and social inflation. She also serves as faculty for the Nuclear Verdicts Defense Institute, helping train defense professionals to combat Nuclear Verdict® trends. Ms. Lynch has been recognized with numerous awards, including San Diego Business Journal’s “Business Women of the Year” Award (2017), “Top 40 Under 40” by both San Diego Metro and San Diego Business Journal (2018, 2019), and CLM’s inaugural “Phenoms Under 40” (2022). She has also been listed as a “Woman of Influence in Law” (2021-2023)and a “Leader of Influence in Law” (2023) by San Diego Business Journal. Ms. Lynch earned her J.D., cum laude, in 2011 from the William S. Richardson School of Law, University of Hawaii at Manoa, where she served as the Outside Articles Editor for the University of Hawaii Law Review. After graduation, she clerked for Associate Justice James Duffy at the Hawaii Supreme Court. She is licensed to practice law in California and Colorado. Episode Highlights The Apex Method: Cayce Lynch introduces the "Apex" method, a holistic approach designed to prevent nuclear verdicts by diffusing juror anger from the onset of a case. This method emphasizes reasonableness and being a good human. Core Four Strategies: The Apex method includes four key strategies, referred to as the "Core Four," which are crucial in preventing juror anger and, consequently, nuclear verdicts. Research indicates that these strategies are often not utilized by the defense. Data-Driven Insights: The book is backed by extensive research, including the analysis of trial transcripts from 100 nuclear verdicts over the past decade. This research highlights the importance of understanding the psychological tactics used by the plaintiff's bar. Message of Hope: Despite the increasing challenge of nuclear verdicts, Cayce Lynch offers a message of hope. By changing defense strategies and presentations in court, there is potential to alter the trajectory of these verdicts and improve the viability of the insurance industry. Upcoming Book Release: "" is set to launch on October 22nd, with pre-sales available from early September. These insights from Cayce Lynch's interview provide a comprehensive look at the challenges and solutions surrounding nuclear verdicts, offering valuable strategies for defense attorneys and claims professionals. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Underwriting vs. VC – Like The Show "Stranger Things"
08/26/2025
The Future of Insurance – Underwriting vs. VC – Like The Show "Stranger Things"
Episode Info In this episode, I explore the paradox that is insurance. We buy risk from others, yet we are risk averse ourselves. Looking at the work of underwriters as compared to venture investors, you find that the skillset is actually nearly identical, but it's being deployed in opposite directions. I discuss that, why that might be, and what someone trying to bring innovation and change to insurance should keep in mind given this reality. Episode Highlights This episode is a unique and shorter installment with insights and reflections rather than our normal interview format. The focus is on exploring the concept of risk aversion within the insurance industry and comparing it to the venture capital world. Key Topics Discussed: Risk Aversion in Insurance:I see a paradox of risk aversion in an industry that essentially deals with buying and managing risk. Despite being in the business of risk, the insurance industry tends to be conservative and slow to change. Comparison with Venture Capital:A comparison is drawn between underwriters and venture capitalists, highlighting how both evaluate businesses but from different perspectives. While venture capitalists have a capped downside and potentially unlimited upside, underwriters face a capped upside and potentially unlimited downside. Analogies and Insights:I compare this to the Netflix show "Stranger Things" to describe the contrasting worlds of insurance and venture capital, likening them to the "Upside Down" and the real world. Economic Perspectives:Discussion on the economic frameworks within which underwriters and venture capitalists operate, emphasizing the differences in risk and reward dynamics. Personal Reflections:The episode includes personal anecdotes and reflections on the nature of risk, decision-making, and the psychological aspects of dealing with uncertainty. Conclusion: The episode concludes with a call to embrace conversations about risk and change, encouraging listeners to prepare for and adapt to new challenges in their professional environments. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Charlie Wendland, Chief Claims Officer, Branch
08/19/2025
The Future of Insurance – Charlie Wendland, Chief Claims Officer, Branch
Episode Info Charlie Wendland is the Chief Claims Officer at Branch, a modern reciprocal exchange reinventing bundled home and auto insurance. With over two decades of experience at Progressive, Travelers, and National Interstate, Charlie has built and scaled high-performing claims teams that blend technology with exceptional customer care. He holds both an MBA and bachelor’s degree from Cleveland State University, plus multiple industry designations, and he currently serves on the board of OACTA. At Branch, Charlie built a digitally enabled claims organization from scratch and continues to pioneer innovations that improve outcomes and customer experiences. He’s passionate about modernizing insurance, uncovering hidden value, and mentoring the next generation of claims professionals. Episode Highlights AI in Claims Processing: The discussion emphasizes the use of AI at Branch to streamline the claims process, particularly through voice AI and electronic first notice of loss. This has led to over 70% of claims being reported through these technologies, enhancing efficiency and customer satisfaction. Empathy in AI: Charlie raised the concern about the ability of AI to replicate human empathy. He notes that the AI has been surprisingly effective in issuing empathetic responses, which is crucial for maintaining customer satisfaction. Technological Integration: Branch has integrated AI in various administrative tasks, such as document generation (with a solution from Kyber) and mail handling, which frees up human resources for more complex tasks. This has resulted in significant time savings and increased staff capacity. Future Prospects: Looking ahead, Charlie see the potential for AI to overlay on top of new data, particularly in Auto claims, where newer car models capture extensive data. This could shift the focus from claims investigation to claims confirmation. Human-AI Collaboration: Charlie underscores the importance of human oversight in AI-driven processes, ensuring accuracy and maintaining a human touch in customer interactions, as well as the need to be mindful of the impact of change on your staff. Given the speed of change Branch has lived, they’ve found this to be incredibly important. Overall, Charlie gave a comprehensive view of how AI is transforming the insurance industry, focusing on efficiency, customer experience, and the balance between technology and human interaction. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Reid Holzworth, CEO, Ivans
08/12/2025
The Future of Insurance – Reid Holzworth, CEO, Ivans
Episode Info Reid Holzworth leads Ivans' strategic direction. He is a prominent insurance industry leader with extensive insurance experience in both broker and insurer distribution environments. Reid began as an independent agent, frustrated that the products on the market didn’t fit well with his business model. So he founded and became CEO of TechCanary, an InsurTech leader on the Salesforce platform that Applied Systems acquired in 2019. TechCanary built an innovative set of insurance solutions on the Salesforce platform to create choice and flexibility for agencies who prefer , which has since been incorporated in Applied's portfolio under the name Applied Epic for Salesforce. Episode Highlights Introduction The video begins with a discussion about Reid's journey into the insurance industry, starting on the broker side and eventually managing an agency. Reid shares insights into their experience of franchising an agency and building a system on the Salesforce platform. Key Topics Discussed Building TechCanary Reid founded TechCanary, a technology company that became the leading insurance solution on the Salesforce platform. They discuss the partnership with Salesforce and the expansion into working with MGAs, carriers, and wholesalers. The Role of Ivans Ivans is highlighted as a crucial player in connecting carriers and agencies. Reid explains how Ivans transitioned from a nonprofit to a for-profit entity and its acquisition by Applied Systems. Technology and Innovation in Insurance The conversation touches on the integration of third-party data sources and the importance of operational efficiency. Reid emphasizes the need for continuous innovation and adaptation in the insurance industry. Challenges and Opportunities Reid discusses the challenges faced in the insurance industry, such as the need for better data management and the potential of AI and other technologies to transform business operations. He does not see AI replacing agents and brokers because of the way relationships are so critical to the work they do, but does see areas will it will have great impact, especially for work that has shifted to lower cost locations globally. Future Outlook The video concludes with a forward-looking perspective on the insurance industry, highlighting the importance of evolving and iterating on business models to stay competitive. Conclusion Reid shares his unique vantage point in the industry, bridging the gap between traditional agency operations and modern technological advancements. The discussion underscores the dynamic nature of the insurance industry and the continuous need for innovation. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance - Short Summer Break
07/22/2025
The Future of Insurance - Short Summer Break
Just a quick note that we are taking a short break for a couple of weeks to enjoy the summer, but the rest of Season 7 will be back soon! In the meantime, this is a great opportunity to catch up on the , or get The Future of Insurance books from Audible to keep listening to inspiring stories of how companies in the insurance industry are overcoming challenges, innovating and evolving. Just visit or search for The Future of Insurance on or .
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The Future of Insurance – Mary Boyd, CEO, Hiscox USA
07/15/2025
The Future of Insurance – Mary Boyd, CEO, Hiscox USA
Episode Info Mary Boyd is a seasoned senior executive with over 30 years of experience leading businesses through transformative phases in their history that span invention, renovation, integration and rebuilding. Beyond her reputation for building, revitalizing, and integrating businesses, Mary has a proven track record of successfully translating strategic vision into reality. Her career is distinguished by spearheading large-scale operational, technological, and team transformations, driving significant growth and innovation across organizations. Mary’s success lies in her ability to blend innovation with an agile approach, excelling at both seeing the big picture and identifying strategic opportunities in the finer details. Since 2006, Mary has held CEO, President and division leadership roles, consistently improving net income by optimizing channel economics, fostering best-in-class partnerships, building high-performance teams, and advancing operational excellence. Mary currently serves as Chief Executive Officer of Hiscox USA, leading the business through its next phase of growth and commitment to supporting the small business landscape. In her role, Mary oversees the financial operations of Hiscox USA’s nearly $1 billion commercial property and casualty business. She collaborates closely with her teams to drive near-term profitable growth while implementing a strategic vision that will markedly expand their reach to more of America’s entrepreneurs. Mary joined Hiscox from Plymouth Rock Assurance Corporation, where she served as President and CEO of their Independent Agency Group, overseeing personal insurance and commercial auto businesses. Before that, she led Hartford’s personal lines Direct-to-Consumer and Agency channels, following 15 years in high-net-worth personal lines. Mary began her insurance career at Chubb as an actuarial trainee, progressing through roles in Product and Pricing. She ultimately launched the Predictive Analytics practice for Chubb’s Personal Lines division and later spent five years at ACE (now Chubb), where she served as President of their Private Risk Services division. Mary earned her Bachelor of Arts degree in Applied Mathematics and Economics from Rutgers University. As a coach of youth sports, ambitious professionals, and entrepreneurs Episode Highlights Introduction and Background Mary shares her experience and background in the insurance industry, highlighting her 30-year career and her role at Hiscox USA. Hiscox USA, part of a long-standing London-based company, started its operations in the US in 2006. Business Model and Growth Hiscox USA has transformed the small commercial business sector by offering online binding and digital partnerships, expanding its business to nearly a billion dollars. The company operates as an omnichannel business, engaging in direct sales, digital partnerships, and wholesale brokerage. Challenges and Opportunities The conversation touches on the challenges small business owners face, such as being underinsured, and how Hiscox aims to support them through education and tailored insurance solutions. The company is focused on being a leading insurer for entrepreneurs, emphasizing the need for holistic support beyond just sales. Innovation The discussion emphasizes the importance of AI and advanced tools in improving underwriting and efficiency across the insurance value chain. Hiscox has partnered with Google to leverage AI for better underwriting and insights. Future Outlook Mary discusses the future of Hiscox, highlighting the integration of data and analytics to enhance product offerings and maintain competitivenes. The company aims to continue its growth by being a better partner and protector for businesses, focusing on insights and protection rather than just speed. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Bill Pappas, EVP & Head of Global Technology & Ops, MetLife – LIVE @ ITI NYC 2025
07/08/2025
The Future of Insurance – Bill Pappas, EVP & Head of Global Technology & Ops, MetLife – LIVE @ ITI NYC 2025
Episode Info As innovation continues to change at a relentless pace, cutting through a noisy marketplace has never been more essential. Such change brings exciting opportunities but also potential risks. Solve the right issues with the right tech, and you can bolster bottom lines and future-proof operations. Identify the wrong challenges and the wrong technology, and you risk trust, reputation, and even market share. Learn how to identify the right opportunities with MetLife's Bill Pappas in this episode from our conversation on the main stage at ITI NYC 2025 session, 'From Enable to Empower: Harnessing Technology to Drive Business Growth.' Join us as Bill outlines the innovations that help shape MetLife's strategy and how his team has evolved tech deployment from an enabler to an empowerer of business growth. Episode Summary The episode discusses the evolving role of technology and AI in business operations, particularly at MetLife. Bill Pappas, a leader in technology and operations, highlights the integration of traditional technology with client experience and operational processes. He emphasizes the importance of adapting to rapid technological changes and the need for new execution playbooks, as traditional methods become obsolete quickly. The discussion also covers the balance between human and AI collaboration, suggesting that while AI presents significant opportunities, humans will continue to play a crucial role, especially in areas requiring critical thinking. Bill stresses the importance of a commercial mindset for business leaders, understanding both the financial aspects and the competitive landscape. Furthermore, the Bill addresses the challenges of digital transformation, noting that many companies struggle with integrating new tools into existing ecosystems due to legacy technical debt and fragmented data. He advises business leaders to focus on the value proposition of new technologies and ensure their data is fit for purpose. Role of Technology and AI: Exploration of how technology and AI are transforming business operations at MetLife. Integration of traditional technology with client experience and operational processes. Adapting to Technological Changes: Importance of adapting to rapid technological advancements. Need for new execution playbooks as traditional methods become quickly outdated. Human and AI Collaboration: Discussion on the balance between human roles and AI capabilities. Emphasis on the continued importance of human involvement in areas requiring critical thinking. Commercial Mindset: Importance of a commercial mindset for business leaders. Understanding financial aspects and the competitive landscape. Challenges of Digital Transformation: Challenges companies face with digital transformation. Issues with integrating new tools due to legacy technical debt and fragmented data. Focus on Value Proposition: Advice for business leaders to focus on the value proposition of new technologies. Ensuring data is fit for purpose to maximize technology benefits. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Chris Meredith, Candidate for OK Insurance Commissioner
07/01/2025
The Future of Insurance – Chris Meredith, Candidate for OK Insurance Commissioner
Episode Info Chris Merideth is a seasoned insurance industry professional, public policy strategist, and Republican candidate for Oklahoma Insurance Commissioner in 2026. With a career spanning agency operations, catastrophe response, and legislative advocacy, Chris brings a rare 360-degree view of the insurance ecosystem—having worked with agents, adjusters, consumers, and lawmakers from across the country. Currently serving in government affairs for a major national carrier, Chris has been on the front lines of some of the most pressing issues facing the market: skyrocketing premiums, litigation abuse, disappearing availability, and the urgent need for property resilience in a high-risk state like Oklahoma. Chris’s campaign is built on grassroots leadership, free-market reform, and a clear promise: make insurance work for people again. His bold policy agenda includes reducing reinsurance pressure, incentivizing fortified home construction, streamlining regulatory red tape, and launching transparency tools like a Prior Authorization Report Card and a Claims Complaint Scoreboard. Known for his energy, grit, and straight talk, Chris is leading a grassroots movement of agents and consumers to restore trust and accountability in the insurance system—before it’s too late. Follow his campaign at Episode Summary The video features a conversation with Chris Meredith, a candidate running for the position of Commissioner of Insurance in Oklahoma. The discussion centers around the challenges and solutions related to insurance and fortified homes in the state. Here are the key points covered in the video: Background and Motivation: Chris emphasizes that their campaign is not about politics but about protecting people and doing the right thing. He has extensive experience in the insurance industry, having worked across various states and attended national meetings. Insurance Challenges: There is a nationwide issue with insurance affordability, where people struggle to afford insurance, and carriers find it economically challenging to provide coverage. The frequency and severity of storms, particularly hailstorms, are increasing, making it more likely for homes to be hit. Fortified Homes Initiative: Chris advocates for fortified homes, which are designed to withstand severe weather conditions. This includes using hail-resistant shingles and securing roof decking. They highlight the success of similar programs in Alabama and stress the need for Oklahoma to adopt these best practices. Legislative and Grassroots Efforts: Chris discusses the importance of legislative changes and grassroots efforts to push for fortified home initiatives. He emphasizes collaboration over conflict, urging local agents, roofers, and contractors to work together to influence legislative priorities. Future Plans and Commitment: Chris is committed to implementing these initiatives if elected, drawing on private funding and legislative support. He expresses a personal connection to the cause, having witnessed the impact of insurance in disaster recovery. OverallOverall, the interviedw highlights Chris's vision for improving insurance practices in Oklahoma through fortified homes and collaborative efforts. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Rick McCathron, President & CEO, Hippo Insurance – LIVE from ITI NYC 2025
06/24/2025
The Future of Insurance – Rick McCathron, President & CEO, Hippo Insurance – LIVE from ITI NYC 2025
Episode Info Over the last decade, the insurtech landscape has rapidly evolved, transitioning from a space dominated by startups innovating at the fringes to becoming a thriving industry amassing huge investment and innovation. But how did we get here, and more importantly, where do they go next? Hippo CEO, Rick McCathron, joins Bryan Falchuk for this conversion, titled, "A Decade of Insurtech: From Startup to Success Story in 10 Years," recorded live from the main stage of ITI NYC 2025. Rick reflects on a decade of progress at Hippo, exploriing the strategies that have propelled insurtechs from industry disruptors to established market players, offering insights into what it takes to scale, sustain growth, and maintain operational excellence. Episode Summary This episode provides insights into effective sales and networking strategies for those selling to insurance companies. It challenges conventional sales tactics and emphasizes the importance of personalized and informed approaches. Industry Challenges and Adaptation Rick emphasizes the dynamic nature of the business world, noting that successful companies are those that can pivot and adapt quickly to new learnings, data, and shifts in consumer appetites. He shares insights on the importance of making decisions with imperfect information and the need to adjust those decisions as more information becomes available. Financial Performance and Future Outlook Hippo has successfully met and exceeded its financial metrics, and Rick expresses confidence in the company's ability to continue this trend. He mentions an upcoming presentation to the investment community to outline their future plans. Customer Experience and Industry Transformation The discussion touches on the need for the insurance industry to improve customer experience, drawing parallels to Amazon's customer-centric approach. Despite progress, Rick believes there is still room for improvement. Transparency and Management Rick highlights the importance of transparency and ownership in management, acknowledging past mistakes and the need for change. He credits Hippo's management team for their ability to adapt and overcome challenges. Collaboration and Industry Opportunities The conversation also covers the need for collaboration within the industry, emphasizing that there is ample opportunity for different companies to succeed without a winner-takes-all mentality. OverallThe interview provides a comprehensive look at Hippo Insurance's strategies, challenges, and future plans, along with broader insights into the insurance industry's evolution. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Bryan Falchuk with Sales Advice for Vendors
06/17/2025
The Future of Insurance – Bryan Falchuk with Sales Advice for Vendors
Episode Info After a series of conferences where I saw some sales tactics that were having the opposite effect from what the person employing them would have wanted, I thought I'd use an episode to share some of the advice I give to companies I've advised over the years. It's informed by my direct experience having been an executive at insurance companies who got sold to, and running the sales function for a B2B SaaS insurtech solution provider. Hopefully this is valuable to anyone trying to sell into the insurance industry (and to those of us on the receiving end of those sales efforts!). Episode Summary This episode provides insights into effective sales and networking strategies for those selling to insurance companies. It challenges conventional sales tactics and emphasizes the importance of personalized and informed approaches. Key Points: Personalized Outreach: Avoid blanket approaches like mass emails or messages. Instead, invest time in understanding if the recipient is a genuine prospect. Tailor your messages to address specific needs and demonstrate genuine interest. Challenges with Conventional Tactics: Many sales playbooks advocate for reaching out to everyone, but this often leads to brand damage and wasted efforts. The video argues that the insurance industry requires a different approach due to its unique nature. Effective Networking: Utilize platforms like LinkedIn for meaningful connections rather than relying solely on event apps, which are often underutilized. Be mindful of social etiquette, such as not interrupting ongoing conversations or meetings. Building Relationships: Focus on being informed and culturally aware to foster genuine relationships. The goal is to reach a point where the prospect feels understood and sees you as a potential solution to their challenges. Practical Advice: Spend a few moments researching potential clients to ensure they are the right fit. Be upfront about your intentions to avoid wasting time on both sides. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Luca Russignan, Head of Insurance, Capgemini Research Institute
06/10/2025
The Future of Insurance – Luca Russignan, Head of Insurance, Capgemini Research Institute
Episode Info Luca Russignan is an insurance expert with more than 15 years of experience with industry-leading consultancies and insurers. At Capgemini, he enables CxO conversations in the insurance sector through data-driven thought leadership to shape insurance business strategy focusing in particular on North America and Europe. He holds an MBA in Strategy and Finance from Hult International Business School. Episode Summary The interview discusses the future of the insurance industry, focusing on demographic changes and the role of technology, particularly AI, in shaping this future. Overall, the interview provides a forward-looking analysis of the insurance industry, urging stakeholders to consider demographic trends and technological advancements in their strategic planning. Key Points: Demographic Shifts: The interview highlights a significant demographic shift where the population pyramid is flipping, meaning there will be more older people than younger ones. This change is expected to fundamentally alter who buys insurance, the risks they face, and how these risks interconnect. Actionable Insights: The discussion emphasizes the importance of making insights actionable. The goal is not just to provide new information but to explain why it matters and how to start acting on it. This involves connecting future forecasts with present-day actions. Role of AI: AI is seen as a silver lining, offering opportunities to address challenges like a shrinking workforce and climate change. It is viewed as a tool that can enable successful aging of the population and unlock productivity gains. Strategic Conversations: The interview stresses the need for integrating demographic considerations into strategic conversations today. This integration is crucial for preparing for future challenges and opportunities. Future Projections: The interview looks ahead to 2050, considering how current trends will evolve. It encourages taking "no regret" actions today that will be beneficial regardless of how the future unfolds. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Debbie Brackeen, Chief Innovation & Corporate Development Officer, CSAA Insurance Group
06/03/2025
The Future of Insurance – Debbie Brackeen, Chief Innovation & Corporate Development Officer, CSAA Insurance Group
Episode Info Debbie Brackeen leads CSAA Insurance Group in strategy, partnerships, innovation and venture investing. She has more than 25 years of experience and leadership at innovative high-tech companies, including Apple, Sun, HP, and eBay, and, most recently, serving as the global head of innovation at Citigroup. She has served as an adviser to the Astia Technology Committee since 2008, and was an adviser on the corporate board of the National Venture Capital Association. Ms. Brackeen earned a degree in American Studies from Stanford University and has completed executive programs at the Northwestern Kellogg School of Management, INSEAD and the Stanford Graduate School of Business. Highlights from the Show The video features a discussion with David, who has over 35 years of experience in the insurance industry, focusing on casualty underwriting and management. He currently serves as the Head of Casualty at Argo Group, where he oversees various liability lines, including primary and excess casualty, environmental liabilities, construction liabilities, and workers' compensation. The conversation highlights Argo's niche focus on the U.S. market, with some operations in Bermuda, and its recent acquisition by Brookfield Wealth Solutions. David shares insights into the challenges faced by the Casualty insurance sector, such as social inflation, litigiousness in the U.S., and the economic viability of Casualty lines. He discusses the importance of capacity management and the need for insurance carriers to be nimble in managing their portfolios. The conversation also touches on the impact of distracted driving on auto insurance claims and the necessity for the industry to adapt to changing conditions. The video concludes with a discussion on the future of the insurance industry, emphasizing the need for innovation and the importance of attracting new talent to sustain the industry. David expresses optimism about the industry's ability to adapt and continue providing necessary coverage despite current challenges. Episode Summary The video features a discussion on the strategic implementation of Artificial Intelligence (AI) within a corporate setting, specifically focusing on the insurance industry. The conversation is led by Debbie Brackeen, who heads innovation and corporate development at CSAA Insurance Group, a part of the AAA insurance companies in the US. Key Points AI Strategy and Implementation: The focus is on harnessing the power of Generative AI (Gen AI) to transform business operations and create sustainable business value. The strategy involves embedding AI as a strategic capability within the company to gain a competitive advantage. AI in Insurance: The conversation highlights the potential of AI to revolutionize the insurance industry by improving efficiency and accuracy in claims processing and underwriting. The use of AI is seen as a way to manage both structured and unstructured data more effectively. Challenges and Opportunities: There is an acknowledgment of the challenges posed by AI, such as the need for governance, controls, and regulatory compliance. However, the potential benefits, such as faster claims processing and better customer service, are emphasized. Future Outlook: The discussion reflects optimism about the future impact of AI, comparing its transformative potential to that of the Internet. There is a belief that AI will lead to new job roles and opportunities, rather than just eliminating existing ones. Overall, the video provides insights into how AI is being strategically integrated into business processes to enhance efficiency and create new opportunities within the insurance sector. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – David Corry, Head of Casualty, Argo Group
05/27/2025
The Future of Insurance – David Corry, Head of Casualty, Argo Group
Episode Info David Corry joined Argo Group in September 2020. As Head of Casualty, he is responsible for leading Primary Casualty, Excess Casualty, Construction, Environmental, Rockwood, and Bermuda Casualty. Corry previously served as Senior Vice President, Head of Environmental at Argo Group. He has in-depth experience in all lines of casualty insurance, having served as Senior Director at Markel Specialty and Vice President at Liberty Mutual. He also held senior positions at Chubb and Crum & Forster. Corry is a veteran of the armed forces, having served for 29 years in the Air National Guard, retiring with the rank of Lieutenant Colonel. Highlights from the Show The video features a discussion with David, who has over 35 years of experience in the insurance industry, focusing on casualty underwriting and management. He currently serves as the Head of Casualty at Argo Group, where he oversees various liability lines, including primary and excess casualty, environmental liabilities, construction liabilities, and workers' compensation. The conversation highlights Argo's niche focus on the U.S. market, with some operations in Bermuda, and its recent acquisition by Brookfield Wealth Solutions. David shares insights into the challenges faced by the Casualty insurance sector, such as social inflation, litigiousness in the U.S., and the economic viability of Casualty lines. He discusses the importance of capacity management and the need for insurance carriers to be nimble in managing their portfolios. The conversation also touches on the impact of distracted driving on auto insurance claims and the necessity for the industry to adapt to changing conditions. The video concludes with a discussion on the future of the insurance industry, emphasizing the need for innovation and the importance of attracting new talent to sustain the industry. David expresses optimism about the industry's ability to adapt and continue providing necessary coverage despite current challenges. Key Points: Challenges in Casualty Insurance: Social inflation and increased litigiousness in the U.S. Economic viability of casualty lines. Importance of capacity management and nimbleness in portfolio management. Impact of Distracted Driving: Significant effect on auto insurance claims. Necessity for the industry to adapt to changing conditions. Future of the Insurance Industry: Need for innovation and attracting new talent. Optimism about the industry's ability to adapt and provide necessary coverage despite challenges. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – InsurTech Rap Takeover with Nick Lamparelli
05/20/2025
The Future of Insurance – InsurTech Rap Takeover with Nick Lamparelli
Episode Info The Insurance Industry is facing a number of challenges today. And yet the number of strategies tools we can use to overcome those challenges is equally numerous. That's the spirit of the conversations my good friend and I get into whenever we talk, and now, you get to hear what we talk about because we got together to take over 's a couple of weeks ago, and I am releasing that episode on my show for all of you! Highlights from the Show The interview delves into the current challenges and innovations within the insurance market, focusing on the years 2023 and 2024. Key issues discussed include the impact of inflation, tariffs, and natural catastrophes on the industry. The conversation highlights the structural changes in the market, particularly the broken cycle of rate adjustments post-crises, and the ongoing struggle to balance profitability with affordability for both carriers and consumers. Regulatory challenges, such as difficulties in obtaining rate approvals, are examined, alongside the industry's frustration with continuous rate increases. The discussion also explores innovative solutions like parametric insurance, which offers a viable alternative to traditional models, and emphasizes the importance of diversification in business models, especially for mutual insurers. The interview touches on the economic effects of tariffs on trade flow and currency attractiveness, as well as the long-term cost of capital. Audience interaction enriches the conversation, providing additional insights into market challenges and potential solutions. The session concludes with gratitude towards participants and a teaser for future discussions on community-based insurance solutions. Key Points: Market Dynamics and Challenges: The conversation explores the structural changes in the insurance market, emphasizing the broken cycle of rate adjustments following crises. Challenges in finding a balance between profitability and affordability for carriers and consumers are highlighted. Regulatory and Rate Issues: The difficulty in obtaining rate approvals and the impact of regulatory actions on market dynamics are discussed. The conversation touches on the frustration within the industry regarding continuous rate increases and the need for alternative solutions. Parametric Insurance Solutions: The rise of parametric insurance as a viable alternative to traditional models is explored, noting its benefits and cost implications. Diversification and Innovation: The importance of diversification in business models, especially for long-standing mutual insurers, is emphasized. The potential for creative solutions like reciprocal models and community-based insurance solutions is discussed. Impact of Tariffs and Economic Factors: The conversation delves into the effects of tariffs on trade flow, currency attractiveness, and the long-term cost of capital. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Dr. Christy Lane & Laura McDonald, Co-Founders of Flora Fertility
05/13/2025
The Future of Insurance – Dr. Christy Lane & Laura McDonald, Co-Founders of Flora Fertility
Guest Bio This episode featured the co-founders of a first-of-its-kind fertility insurance solution called . Dr. Christy Lane, President and Co-Founder Dr. Christy Lane is global leader of InsurTech, an investor, founder and award-winning health scientist with expertise in AI, digital health, and wearable devices. Dr. Lane is the Co-Founder of Flora Fertility, the Stanford Wearable Health Lab, as well as Founder and former CEO of Vivametrica. Dr. Lane is also a Venture Partner with IA Capital, an InsurTech/fintech venture firm in New York. Dr. Lane has built her career in women’s health research since the 90’s, and is blazing a new path forward to combine critical components of wearable tech to help inform insurance policy to make fertility treatments more accessible. As a mom of 3, Dr. Lane has gone through IVF herself and deeply understands the emotional and financial challenges of treatment. She has been recognized as Top 40 Under 40 in Calgary, Female Founders of Insuretech Winner and Top 20 Women in Tech. Laura McDonald, CEO and Co-Founder Laura McDonald is the Co-Founder of Flora Fertility, the first individually-owned insurance solution for fertility and women's health. She formerly founded, scaled, and sold Canada's largest financial media company focused on women and wealth and is passionate about educating women about financial freedom and helping them achieve those goals. She has guided product wholesaling for a major insurance company and helped scale a DTC AI model in the e-commerce space to have global market adoption across 100+ countries. She is a mother of four and the author of two best-selling personal finance books and a former media personality in the financial sector. Highlights from the Show The interview discusses the innovative approach of Flora Fertility, a company co-founded by Christy Lane and Laura McDonald. The company focuses on providing individually owned private insurance coverage for fertility, aiming to address the high demand and financial burden associated with fertility treatments. The discussion highlights the prevalence of fertility issues, with statistics indicating that one in six people may require fertility treatment, a figure recognized by the World Health Organization as a global health issue in 2023. Flora Fertility's insurance product is designed to be accessible and affordable, targeting women aged 20 to 34 with policies ranging from $15 to $70 per month, offering up to $50,000 in coverage for fertility treatments. The founders emphasize the importance of community and education, aiming to create a supportive environment for policyholders that includes perks, benefits, and educational resources. The episode also touches on the broader implications of women's health and the need for more investment and innovation in this area. It highlights the potential for Flora Fertility to change perceptions of insurance among younger generations and to serve as a gateway for other insurance products. The founders' personal experiences with infertility and their professional backgrounds in healthcare and entrepreneurship are key drivers behind the company's mission. Key Points: Innovative Insurance Solution: Flora Fertility offers a unique insurance product specifically for fertility treatments, addressing a significant gap in the market. Global Health Issue: Fertility issues affect one in six people globally, as recognized by the World Health Organization in 2023, highlighting the importance of accessible fertility treatment options. Affordable Coverage: The insurance policies are designed to be affordable, with monthly premiums ranging from $15 to $70, providing up to $50,000 in coverage. Target Demographic: The primary target audience for these policies is women aged 20 to 34, a demographic that can greatly benefit from early and proactive fertility planning. Community and Education: Flora Fertility emphasizes the importance of building a supportive community for policyholders, offering educational resources and additional benefits. Broader Implications for Women's Health: The initiative underscores the need for more investment and innovation in women's health, potentially reshaping perceptions of insurance among younger generations. Founders' Motivation: The personal experiences of the founders with infertility, combined with their professional expertise in healthcare and entrepreneurship, drive the mission and vision of Flora Fertility. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance Podcast – Darren Wood, Founder, Recoop Disaster Insurance
05/06/2025
The Future of Insurance Podcast – Darren Wood, Founder, Recoop Disaster Insurance
Guest Bio Darren Wood is the founder of , a first-of-its-kind, multi-peril disaster insurance product. Darren is an insurance industry veteran, with over 25 years of experience. He previously served as the division president for Holmes Murphy, a top 25 insurance broker, where he was responsible for the delivery of value-added solutions to insurance clients. He also held senior project management and operational leadership roles with Marsh Consumer (now Mercer), focusing on the delivery of employee benefit and affinity solutions to consumers through Fortune 1,000 clients. Darren received his degree in Accounting from Simpson College, earned his Project Management Professional (PMP) designation, and is a veteran of the United States Army. Highlights from the Show In this episode, we cover the challenges and solutions related to insurance coverage, particularly in the context of natural disasters and underinsurance. The conversation highlights the following key points: Background and Motivation: Darren shares personal experiences from the Gulf War, emphasizing the importance of addressing resource shortages and providing solutions for those in need. Insurance Gaps and Solutions: The discussion focuses on the inadequacies of traditional insurance policies, which are often outdated and not suited to current exposure contexts. Darren is interested in exploring new solutions that can address these gaps effectively. Product Offering: Recoop offers a multi-peril disaster product that provides a lump sum solution to customers. This product is designed to complement existing insurance policies by covering gaps that traditional policies do not address. Distribution and Reach: Recoop has partnered with 22 distribution partners, providing access to approximately 140 million Americans. They are also working with independent agents and larger insurers to expand their reach. Challenges and Perseverance: Darren discusses the perseverance required to succeed in this field, drawing parallels to their military experience. They emphasize the importance of continuous effort and building a strong policy base to increase exposure and coverage. Future Outlook: The conversation concludes with optimism about the future and the potential for new solutions to fill existing gaps in insurance coverage. Darren expresses a commitment to helping others in the industry and addressing the real problems faced by people. Overall, the conversation underscores the need for innovative insurance solutions that can adapt to modern challenges and provide comprehensive coverage in the face of increasing natural disasters and underinsurance issues. This episode is brought to you by book series () from Bryan Falchuk. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance, Paul VanderMarck, Chief Technology & Innovation Officer, SageSure
04/29/2025
The Future of Insurance, Paul VanderMarck, Chief Technology & Innovation Officer, SageSure
Paul VanderMarck is the Chief Technology and Innovation Officer of SageSure, leading the development of its proprietary technology platform and adopting new technologies to continue to advance the user experience. Previously, Paul was a managing director at boutique investment bank Financial Technology Partners, where he worked with a wide range of high-growth businesses across the insurtech landscape on capital raising and mergers and acquisitions. He previously spent 25 years as Chief Product Officer and as a member of the leadership team that grew Risk Management Solutions (RMS) from a startup into a $300 million revenue business while creating an entirely new market and transforming the way that the global insurance industry manages catastrophe risk. He holds a bachelor’s degree in civil engineering and a master’s degree in structural engineering, both from Stanford University. Episode SummaryThis interview discusses innovative strategies in the insurance industry, particularly focusing on proactive customer engagement and the use of technology to enhance claims processing. Here are the key points: Proactive Outreach: The company emphasizes the importance of reaching out to customers after catastrophic events, rather than waiting for claims to be filed. This approach aims to provide timely assistance and mitigate potential damages. Use of Technology: The integration of AI and aerial imagery allows the company to identify damaged properties quickly after disasters. This technology enables them to prioritize outreach to affected customers, even those who may still be evacuated. Claims Management: The discussion highlights the need to eliminate inefficiencies in claims processing, often referred to as "leakage." By using innovative solutions, the company aims to reduce unnecessary costs while ensuring that customers receive fair treatment during the claims process. Market Adaptation: The company has successfully navigated challenging market conditions, including inflation and increased reinsurance costs, by providing valuable products to agents and maintaining a strong growth trajectory. Customer Satisfaction: The video underscores the importance of customer satisfaction, particularly in claims handling. Engaging with customers during claims processes can lead to higher satisfaction rates, which is crucial for the company's reputation and success. Overall, the episode presents a forward-thinking approach to insurance, focusing on technology, customer engagement, and operational efficiency to improve service delivery and maintain competitiveness in a challenging market. This episode is brought to you by thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – David Worldon, Accelerated Innovation
04/22/2025
The Future of Insurance – David Worldon, Accelerated Innovation
David Worldon is the Founder of , a boutique management consultancy specialising in insurance innovation. Last year they saved Australia’s largest insurers half a million dollars in fees and shaved a full year off their growth timelines. David has recently published the 2025 General Insurance Innovation Report, assessing and ranking how Australia’s largest insurers are innovating to address key industry challenges such as climate change, underinsurance, and rising premiums. His goal is to save leaders $20m in fees and 40 years of waiting to get shit done. David is also the host of Accelerated Innovation's Innovation Insider podcast, which is available at Episode SummaryThe video features a discussion centered around the Australian insurance market, highlighting its unique dynamics, challenges, and opportunities for innovation. Here are the key points: Market Dynamics: The Australian insurance market is characterized by a high level of concentration, with a significant portion of the market share held by a few major players. This concentration influences competition and innovation within the industry. Regulatory Environment: The industry is highly regulated, with recent interventions aimed at addressing systemic issues, particularly following a Royal Commission that scrutinized the sector for malpractice. This has led to a culture of risk aversion among insurers. Innovation Focus: There is a growing emphasis on innovation, particularly in risk mitigation and preparing for natural disasters. Insurers are shifting their strategies to not only rebuild after disasters but to enhance infrastructure and resilience for future events. Collaboration and Growth: Insurers are beginning to collaborate more effectively with each other and with government entities to address challenges such as underinsurance and protection gaps. This collaborative approach is seen as a pathway to strengthening the market. Future Outlook: The discussion suggests a positive outlook for the next five to ten years, with expectations of increased appetite for risk and innovation. The market is viewed as ripe for new entrants, particularly global digital players, which could disrupt traditional distribution models. Personal vs. Commercial Lines: Innovation is more pronounced in personal lines of insurance, particularly through direct sales channels. The commercial lines are slower to innovate, focusing primarily on enhancing broker experiences. This episode is brought to you by thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Dave Wechsler, Principal, OMERS Ventures
04/15/2025
The Future of Insurance – Dave Wechsler, Principal, OMERS Ventures
As one of the first Insurtech operators turned investor, Dave leads OMERS Ventures Insurtech portfolio which includes investments in well-known players such as Clearcover, Foresight, WeFox and Joyn. Most recently at Hippo as VP of Growth, Dave oversaw the company's execution and strategy around Smart Home and emerging products. Dave's journey in Insurtech started in 2017 while at Comcast Xfinity where he designed a distribution partnership with Hippo to sell homeowners insurance to Comcast’s 30M+ customers. In that role Dave secured his P&C license and set up a national agency. Dave was also part of the team at Comcast that led Hippo’s $25M Series B in 2018. Additionally, Dave has founded and led several technology startups giving him a deep understanding of the challenges faced by entrepreneurs. Dave is passionate about the intersection of technology and insurance and is a firm believer that we are in the early stages of what will be a watershed moment for the sector. He is an active writer and speaker on the industry. Dave also is a Board Director of Joyn Insurance and a Board Observer for Clearcover, Foresight and WeFox as we well multiple Fintech investments. Dave has a BA in Policy Studies from Dickinson College in Carlisle, PA. He is also a licensed P&C insurance agent. Episode Summary
In this episode, we dive into the evolving landscape of InsurTech with insights from Dave Wechsler, a seasoned entrepreneur and venture capitalist. The discussion covers the challenges and opportunities within the insurance industry, particularly in the context of technological advancements and market dynamics.
Guest Background: Dave's journey through various startups and their transition into the venture capital world. Insights into the role of technology in transforming traditional insurance practices. Dave started the weekly podcast because of his feeling of the importance of networking and collaboration among industry professionals. Current Trends in InsurTech: The impact of AI and machine learning on underwriting and claims processing. Discussion on the shift from legacy systems to modern, tech-driven solutions. Embracing Experimentation: The willingness to experiment and learn from failures is crucial for success in the InsurTech space. As [Guest Name] noted, traditional companies often lack the flexibility to innovate, making it essential for startups to leverage their agility. The Role of AI: Artificial intelligence is reshaping the landscape, offering new tools and capabilities that can enhance underwriting processes and customer engagement. However, it also presents challenges as new entrants can disrupt established players with more advanced solutions. Challenges for Entrepreneurs: Navigating the complexities of entering new markets and the importance of adaptability. The significance of building a strong brand and community in the InsurTech sector. Future Outlook: Predictions for the InsurTech landscape in the coming years, including the role of blockchain and smart contracts. The necessity for established companies to innovate and embrace new technologies to stay competitive. Resources Mentioned: Join the show live every Thursday at 2 PM EST for more discussions on InsurTech trends and insights. This episode is brought to you by thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance AI Panel – Live at the 2025 PLRB Claims Conference
04/08/2025
The Future of Insurance AI Panel – Live at the 2025 PLRB Claims Conference
What will the future of our industry look like, and what does that mean for today's Claims professionals? How can adjusters and others prepare for changing dynamics and increasing complexity? Join Bryan Falchuk as he hosts a panel featuring audience questions on the dynamics and technology shaping where insurance is headed. The panel includes: Erik Bahnsen, Director, Industry Analytics, CCC Intelligent Solutions Ramón Lopez, President, Claim Assist Solutions David S. Milton, Founder & CEO, TelaClaims This discussion was recorded live on April 1st at the 2025 PLRB Claims Conference in Indianapolis, Indiana, and was held right after the panelists shared this views on how things like AI are changing the ways claims can be handled – not just in the future, but right now. Episode SummaryThe panel discussion explores the integration of AI in the insurance industry, particularly in claims processing and adjuster workflows. It highlights AI's role in enhancing efficiency and accuracy while acknowledging the challenges of implementation, such as sentiment analysis. The discussion emphasizes AI as a supportive tool that allows adjusters to focus on complex decision-making, ultimately transforming their roles without replacing human expertise. Key Points AI Integration in Claims ProcessingAI is being increasingly integrated into claims processing to enhance efficiency and accuracy. It helps in tasks such as peer review of claims, identifying overlaps, and performing complex calculations, which traditionally required manual effort. Challenges and OpportunitiesAI offers significant potential, there are challenges in its implementation. For example, attempts to use AI for sentiment analysis in customer interactions were not successful, highlighting the complexity of accurately interpreting human emotions. Future of Adjuster RolesThe role of adjusters is expected to evolve with AI taking over routine tasks, allowing adjusters to focus on more complex decision-making. This shift is anticipated to lower entry barriers and enable more people to enter the field. Policyholder ExpectationsThere is a continuous increase in policyholder expectations, which AI can help meet by providing faster and more accurate service. However, the industry still faces challenges in fully aligning technology capabilities with these expectations. AI as a Tool, Not a ReplacementAI is viewed as a tool to assist rather than replace human decision-making. It operates within set guidelines and is used to support decisions, especially in high-stakes scenarios like large claims. ConclusionOverall, the discussion highlights the transformative potential of AI in the insurance industry while acknowledging the ongoing challenges and the need for human expertise in complex situations. This episode is brought to you by thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Sarah Russell, Managing Director of Bellwether at Alphabet x
04/01/2025
The Future of Insurance – Sarah Russell, Managing Director of Bellwether at Alphabet x
Sarah Russell is the founder and managing director of Project Bellwether. Her career has evolved from healthcare into technology more broadly. She is a startup founder, tech executive, and practicing physician working at the nexus of business, planetary health, and machine learning. After founding her first company, she spent the next decade transitioning between entrepreneurial roles and executive management in large organizations such as the VA and Google. Currently, she is focused on understanding our changing natural world and the implications for businesses, states, and communities. At X, The Moonshot Factory, she leads a team of senior-level experts working on complex machine learning problems, using earth observation data and imagining new categories of business. Highlights from the Show Understanding Climate Risks The impact of climate change on severe weather events. The insurance industry's responsibility in addressing these challenges. Focus on Wildfires The growing concern of wildfires and their implications for insurers. Development of targeted solutions to manage wildfire risks. Innovative Products Bellwether Predict A forecasting tool for severe weather probabilities. Bellwether Rapid Response Aerial imagery technology for quick damage assessment post-disaster. Bellwether Insure A product designed to help insurers understand and manage wildfire risk accumulation. Absolute Risk Scores Introduction of absolute risk scores for more accurate risk assessments. Comparison with traditional relative risk categorizations. Future Aspirations Vision for predicting interactions between the natural world and built environments. The role of advanced data analytics and machine learning in transforming risk management. Collaboration in the Industry The importance of collaboration among insurers to effectively tackle climate risks. Potential benefits of an integrated approach for communities facing natural disasters. Conclusion: This episode highlights the significant challenges climate change poses to the insurance industry, particularly regarding wildfires. We explored innovative solutions like advanced forecasting tools and rapid response technologies that enhance disaster preparedness. By utilizing absolute risk scores and data analytics, insurers can make informed decisions to better protect communities. Collaboration within the industry is essential for effectively addressing these challenges and building a more resilient future. This episode is brought to you by thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Chris Luiz, CEO, Scout InsurTech
03/25/2025
The Future of Insurance – Chris Luiz, CEO, Scout InsurTech
Chris is the CEO of Scout InsurTech, a premier network connecting insurance professionals, startups, and innovators to shape the industry's future. Scout's mission is to drive a comprehensive understanding of the companies impacting P&C, Life, and Health and to identify, engage, and profile these innovative companies as they evolve from early concepts to high-growth players. Chris is a multi-time founder with a background that spans the physical sciences, high-tech product development, and the development and delivery of modern AI solutions across the insurance industry. He is also a frequent speaker on innovation, AI, and insurance technology. When not working, Chris can be found at one of Scout’s many networking events at the local CrossFit gym, or at home with his wife and four children, lost in a book. Highlights from the Show The mission of Scout focuses on building private paid membership communities across various cities to foster local engagement and innovation in the insurance sector. Community Engagement: Scount organizes events in different cities, aiming to connect local professionals and provide opportunities for deeper community engagement. Each community hosts an annual event to facilitate networking and collaboration among industry leaders. Startup Support: Chris explains Scout's startup program, which helps early-stage companies connect with major carriers and brokerages. The program includes virtual showcases and opportunities for startups to present their innovations to industry stakeholders. Building Relationships: The conversation touches on the significance of community and purpose in business, contrasting it with transactional models that may lack engagement. Chris expresses his commitment to fostering a supportive environment for innovation and collaboration within the insurance ecosystem. Scout is hosting their two-day conference in Columbus, Ohio on June 17-18, 2025, where various startups will showcase their solutions. Conclusion:
This episode provides valuable insights into the evolving landscape of the insurance industry and the role of community in driving innovation. Tune in to learn more about how Scout is shaping the future of insurance through collaboration and engagement. This episode is brought to you by thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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The Future of Insurance – Melbourne O'Banion, Co-Founder & CEO, Bestow
03/18/2025
The Future of Insurance – Melbourne O'Banion, Co-Founder & CEO, Bestow
Melbourne O’Banion is Bestow's CEO and co-founder, guiding the company’s vision to modernize the life insurance industry. Melbourne is also a co-founder of BeautyBio and a founding member of Presidio Title, Texas's leading title insurance agency. He serves on the National Advisory Council for BYU’s Marriott School of Management and Southern Methodist University’s Tate Lecture Series board. Melbourne earned a degree in Finance and Ancient Near Eastern Studies from BYU and resides in Dallas, Texas, with his family. Highlights from the Show Founding Vision: Bestow was founded with the goal of bringing modern technology to the life insurance sector, which has historically lagged behind other insurance types in terms of digitization. Market Evolution: The rapid modernization of property and casualty insurance compared to life insurance, emphasizing the potential for growth in cross-selling and bundling products. Strategic Shifts: The company initially focused on direct-to-consumer (DTC) sales but pivoted to enterprise solutions, recognizing a larger market opportunity in partnering with established carriers. Technology as an Enabler: How technology is transforming the underwriting process, making it more efficient and allowing carriers to launch products faster. Role of Agents: Contrary to fears of agents being replaced by technology, Melbourne believes that agents will continue to play a crucial role, especially as tools become more sophisticated and user-friendly. Future of Life Insurance: The conversation touches on the future of life insurance, with a focus on specialization and the need for carriers to modernize their offerings to meet evolving consumer needs. Overall Takeaways Importance of Adaptation: Companies in the insurance space must adapt to technological advancements to remain competitive and meet customer expectations. Collaboration Over Competition: Partnering with technology providers can enhance a carrier's capabilities and streamline operations, rather than trying to build everything in-house. Consumer-Centric Approach: Understanding the consumer journey is vital for developing effective insurance products and services. Growth Potential: There is significant room for growth in the life insurance market, particularly through innovative digital solutions that simplify the purchasing process. Conclusion: This episode provides valuable insights into the intersection of technology and the insurance industry, highlighting how companies like Bestow are leading the charge in modernizing life insurance for a new generation of consumers. This episode is brought to you by thought leadership series, available globally from Amazon in print, Kindle and Audible audiobook. Follow the podcast at for more details and other episodes. Music courtesy of , available to stream or download on , , and and more.
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