INSURANCE CONTENT HUB

AI can transform insurance decision making by bringing clarity, structure and alignment to the conversations that matter most.

Differential pricing is transforming insurance. AI, telematics, and embedded channels enable precision pricing—but also threaten the solidarity that keeps coverage fair.

The silent engine behind many insurance lines isn’t margin, it’s cross-subsidy. For decades, insurers have relied on solidarity-based pricing to balance fairness and viability. Now, neo-insurers using data-driven selective underwriting are eroding this foundation. As these cross-subsidies weaken, the sector faces not just margin pressure but a deeper challenge to the social contract that has long underpinned insurance solidarity