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The Future of Insurance

The Future of Insurance

By: Bryan Falchuk
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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"Insurance Evolution Partners Economics
Episodes
  • The Future of Insurance - Short Summer Break

    The Future of Insurance - Short Summer Break
    Jul 22 2025

    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 back catalogue of the show, 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 www.future-of-insurance.com or search for The Future of Insurance on Audible or Amazon.
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    2 mins
  • The Future of Insurance – Mary Boyd, CEO, Hiscox USA

    The Future of Insurance – Mary Boyd, CEO, Hiscox USA
    Jul 15 2025
    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 The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.
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    27 mins
  • The Future of Insurance – Bill Pappas, EVP & Head of Global Technology & Ops, MetLife – LIVE @ ITI NYC 2025

    The Future of Insurance – Bill Pappas, EVP & Head of Global Technology & Ops, MetLife – LIVE @ ITI NYC 2025
    Jul 8 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.

    1. 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.

    2. Adapting to Technological Changes:

      • Importance of adapting to rapid technological advancements.

      • Need for new execution playbooks as traditional methods become quickly outdated.

    3. 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.

    4. Commercial Mindset:

      • Importance of a commercial mindset for business leaders.

      • Understanding financial aspects and the competitive landscape.

    5. Challenges of Digital Transformation:

      • Challenges companies face with digital transformation.

      • Issues with integrating new tools due to legacy technical debt and fragmented data.

    6. 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 The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk.

    Follow the podcast at future-of-insurance.com/podcast for more details and other episodes.

    Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.
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    31 mins
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