underwriting

Challenger Insurers & the lemonade factor
Lemonade have posted their Q3 results with a net loss creeping towards $100m, a **** loss ratio of 94% counteracted by a 70% increase in GWP and premium in-force. It shows how much attention is being paid on customer growth vs customer risk & claims costs. I am not looking to question the strategy but is that the right…
Rise in application fraud for motor
Aviva have recently posted about a 16% increase in the level of motor insurance policy fraud (https://www.insurancebusinessmag.com/uk/news/auto-motor/aviva-warns-of-surge-in-motor-insurance-application-fraud-429065.aspx) One thing that really stood out is that with the cost of living crisis which is most likely going to…
Why are networks so important in financial crime?
A question I get asked quite often is "why are networks so important in identifying financial crime?" Organised criminals have learnt to attack weaknesses in claim/application/quote systems to generate high value low-risk income. Often, legitimate identities are hijacked or bogus ones are created and typically these…
Are the tech giants really becoming distribution disruptors?
With the news around the Amazon insurance store coming out last week it made me think back to the events of 2016 where Google tried, and failed. That failure was put down to the "market understanding" including how tight margins are and how competitive distribution channels which have been around for hundreds of years are.…
Single priced protection vs Embedding - what do customers want and what does it mean for risk?
More and more, the insurance market worries about product density, recognising that in some situations selling a 2nd policy to a customer can move the retention rate from ~60-70% to well about 90%. So why wouldn't the market go further than that? Why not underwriting the entity not the event? I think an insurance policy…

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