We wanted to dig deeper into all the driving forces shaping the insurance industry's future. So we gathered some incredible thought leaders and paired them up to share their unique perspectives. They discussed everything from the digitalization of insurance, to personalization, democratization, the importance of customer centricity, ecosystems and platforms, and partnerships.
EP 39 – How Can Digital Platforms Close the Coverage Gap?
Insurance for the New Possible was joined by Nigel Fellowes-Freeman (https://www.linkedin.com/in/nigel-fellowes-freeman-86910939/), CEO of Kanopi (https://kanopicover.com/), and Richard Bracken (https://www.linkedin.com/in/richard-bracken-64b21b12/), Head of Consumer Partnerships for APAC at Chubb (https://www.chubb.com/sg-en/).
Some of the topics they covered in detail included:
Embedded insurance is a response to a surging protection gap. Bringing cover to people where they already are (their everyday apps) is one of the fastest ways to shrink that gap.
• APAC’s large gaps are partly a legacy of face-to-face distribution that focuses on larger tickets and affluent segments.
• Early embedded insurance was making it situational and relevant. Now it is granular, data-driven and personalized.
• Consumer expectations have been reset by digital commerce and invisible payments. They want low-touch, simplified experiences, particularly when the offer is relevant to the task they are already doing.
• Consumers will share data when the value exchange is clear and fair. Be explicit about use; trust will follow.
11 Dec 2025
EP 38 - Can Digital Wallets Change How Indonesians Interact with Insurance?
Insurance for the New Possible was joined by Ivan Kusuma (https://www.linkedin.com/in/ivan-kusuma-cfa-2859041b/?originalSubdomain=id), Head of Investment and Insurance at DANA ID, and JP Ellis (https://www.linkedin.com/in/jpatrickellis/), Strategy and Digital Transformation leader at Chubb.
Some of the insights they shared included:
- Indonesians are used to buying in small units. For financial services, bite-sized insurance and investments reduce friction and perceived risk.
- Indonesia’s financial inclusion outpaces its financial literacy, but not by much. The existing gap mandates experience-led education.
- DANA created trust by solving basic, money-related issues like digital top-ups, easy money transfers particularly in places that traditional banks do not reach.
- While headline insurance growth looks modest at a macro level measured by premium value, but policy sales are seeing explosive growth.
- The future of insurance sales in Indonesia is inside digital ecosystems. Acquisition costs are near-zero incrementally and targeting is can be very precise.
26 Nov 2025
EP 37 – Unpacking Brazil’s Protection Gap and How Digital Platforms Build Trust
Insurance for the New Possible was joined by Marcio von Muhlen (https://www.linkedin.com/in/marciovm/), General Manager of Insurance at Nubank, and Ignacio Sagués (https://www.linkedin.com/in/ignaciosagues/?originalSubdomain=ar), Head of Digital for Chubb LATAM.
Some of the insights they shared included:
- In emerging and middle-income segments, product complexity acts like a toll booth: it filters out exactly the people who need protection the most.- Until now, many Brazilian consumers have seen insurance as expensive or opaque. But Nubank is now bringing quality products, no surprises, and delight across every touchpoint.- Real trust is built during the claims process. If the customer experiences speed, clarity, and fairness, the product becomes real and trustworthy.- Contextual products plus embedded placement reframes coverage from an upsell to just-in-time assistance. Relevance rises, friction falls, and pricing can be right-sized to the moment.- Having fundamental ‘north stars’ matter. Making claims feel magical and as automatic as possible is among one of the most important ambitions of Chubb and Nubank.
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Podcast Authority Score: 43 / 100
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