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Insurance IoT is a social good! Because: 🔵 Expected losses can be reduced structured programs with both real-time mitigation actions to solve a specific situation, and behavioral change mechanisms to promote safer behaviors (both in personal and commercial lines) 🔵 Rate can be matched to risks better: - Smaller and more accurate pricing clusters allow a large part of profiles to receive a lower rate - Even with the ability to price the individual probability of loss (cluster of one) the insurance foundation isn’t canceled (The risk of each policy will contribute to the expected losses of the portfolio; The premiums paid by many lucky policyholders will be used to pay the claims of the few unlucky policyholders who had an accident in a period of coverage) 🔵 IoT data can be used to increase the effectiveness and efficiency of the claim process, so improving the combined ratio ceteris paribus ⏩ Large part of the policyholders will pay less (and portfolios currently difficult to insure will become more insurable) Insurance IoT (and telematics) is not about providing a discount Insurance IoT (and telematics) is about creating economic value using the data and sharing part of this value with policyholders (and agents & brokers) An integrated holistic adoption of the IoT paradigm is a game changer for your insurance business and a social good: ◾ it allows to improve the availability and affordability of insurance coverages ◾while allowing the sector to write a profitable business Below you can enjoy a selection of best practices in both personal and commercial lines - written with some of the IoT Insurance Observatory members - that have already started to obtain results from their IoT business transformation journeys
Insurers' journeys to build a mastery in the IoT usage
Insurers' journeys to build a mastery in the IoT usage
Matteo Carbone
The social media data, trends and updates you need to know for April 2024.
Monthly Social Media Update April 2024 pptx.pptx
Monthly Social Media Update April 2024 pptx.pptx
Andy Lambert
International Nurses' Day is 12 May. See some of our resources ranging from histories of hospitals and organisations to personal recollections and diaries.
It will be International Nurses' Day on 12 May
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NZSG
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Organizational Transformation Lead with Culture
Organizational Transformation Lead with Culture
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Katrina Personal Brand Project and portfolio 1
Katrina Personal Brand Project and portfolio 1
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Falcon Invoice Discounting platform in india
Falcon Invoice Discounting platform in india
Falcon Invoice Discounting
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Business Model Canvas (BMC)- A new venture concept
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Value Proposition canvas- Customer needs and pains
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A DAY IN THE LIFE OF A SALESMAN / WOMAN
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Insurers' journeys to build a mastery in the IoT usage
Insurers' journeys to build a mastery in the IoT usage
Monthly Social Media Update April 2024 pptx.pptx
Monthly Social Media Update April 2024 pptx.pptx
It will be International Nurses' Day on 12 May
It will be International Nurses' Day on 12 May
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Organizational Transformation Lead with Culture
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Phases of Negotiation .pptx
Phases of Negotiation .pptx
Katrina Personal Brand Project and portfolio 1
Katrina Personal Brand Project and portfolio 1
Falcon Invoice Discounting platform in india
Falcon Invoice Discounting platform in india
Business Model Canvas (BMC)- A new venture concept
Business Model Canvas (BMC)- A new venture concept
Value Proposition canvas- Customer needs and pains
Value Proposition canvas- Customer needs and pains
A DAY IN THE LIFE OF A SALESMAN / WOMAN
A DAY IN THE LIFE OF A SALESMAN / WOMAN
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