The Future of Insurance: Industry Leaders

Barbara Zvan, President and Chief Executive Officer of UPP, and Brian Gill, Chief Technology Officer, join host Jessica Hurley to discuss how the University Pension Plan is reshaping retirement administration across Ontario’s university sector in this episode of Future of Retirement. They take a detailed look how UPP was built from a clean slate to unify complex legacy pension plans, support growing member expectations, and create a more modern, agile foundation for long-term service delivery. The conversation also explores the role of cloud-based technology, configurable platforms, strong data quality, and collaborative partnership in managing complexity at scale. Lastly, Barbara and Brian reflect on how AI, plain-language tools, and a member-first approach can help deliver faster answers, greater confidence, and a more personal retirement experience for the future.

In today’s volatile economic environment, insurance customers face a growing disconnect between what matters most to them and what actually protects them. Tune into this Majesco podcast, based on our recent primary research with insurance customers, to see how this expanding protection gap is changing customer expectations, influencing product purchases, driving demand for new solutions, and shaping the future of insurance.We break down the research by generation and examine protection gaps across lifestyle, financial, and safety/security risks, many of which are significant. Financial risks emerge as the most under-protected area, with especially large gaps affecting both Gen Z and Millennials and Gen X and Boomers. Safety and security risks show smaller overall gaps, reflecting traditional insurance coverage and long-standing industry strengths, but emerging threats like cybercrime still expose meaningful vulnerabilities.Most importantly, consumers who have the right products feel significantly more prepared, making it clear that the challenge is not a lack of solutions, but a lack of alignment, adoption, and perceived value. This story is not only about risk, but also about opportunity: our research shows that when consumers have the right products, their sense of preparedness can rise dramatically, sometimes by 30–40 percentage points. So why are they still not adopting them, and how can insurers close the gap between awareness, relevance, and action?Also explored is how AI, especially Generative and Agentic AI, is becoming a powerful bridge between concern and confidence, helping insurers deliver more personalized, proactive, and trusted customer experiences. If you want to better understand shifting customer expectations, needs, and behaviors, uncover untapped growth opportunities, and redefine your value in a rapidly changing market, this podcast will give you the insights and roadmap you need.

In this engaging podcast, Denise Garth is joined by Mike Gula, Founder of Adaptive Insurance, who shares how his company is helping homeowners and businesses navigate rising climate risk through specialty insurance products built to close critical protection gaps. He discusses the role of parametric insurance in delivering faster capital after disruptive events, improving customer resilience, and creating new ways to protect against everyday climate-related losses. They also explore how AI is reshaping insurance operations and customer engagement, while emphasizing the importance of compliance, transparency, and using technology to support smarter, more resilient decisions. 

In this episode of Future of Retirement, Rick Silva, Executive Director and Trust Fund Administrator for UFCW and Employers Trust LLC, sits down with host Jessica Hurley to explore how the organization is modernizing benefit administration for more than 140,000 members. He shares how UFCW has transformed its technology and processes through cloud migration, unified data systems, digital self-service tools, and automation designed to improve security, accuracy, and the member experience.The discussion also takes a look at the impact of claims and eligibility automation, workflow digitization, and stronger cybersecurity practices across their business. Lastly, Rick reflects how modernization is helping UFCW deliver faster service, better outcomes, and greater confidence for members, employers, and providers — while building a more scalable, forward-looking foundation for the future.

In this episode of Future of Retirement, host Jessica Hurley talks with Mike Domingos, Senior Vice President of Institutional Retirement at Pacific Life, about how Pacific Life is navigating and shaping the fast-growing pension risk transfer (PRT) market. Mike discusses how interest rates, market performance, and litigation risk are influencing today’s deal volumes and growth outlook, and how Pacific Life differentiates with over 80 years of PRT experience, strong brand and mutual structure, and the ability to manage increasingly complex plans, including innovative buy-in structures that convert to buyouts. They also explore how Pacific Life is leveraging AI and data science across pricing, onboarding, servicing, and call center operations—streamlining processes, handling large, complex data sets, and elevating the annuitant experience.

AI for insurance isn’t just another buzzword; it’s the transformative technology of our lifetimes.In this riveting episode, we’re asking a different question. Not “How will we use AI?” but “How won’t we use AI?” Because if you’re only thinking about AI for one or two business functions, you’re already missing the point.This is where the idea of the Frontier Firm comes in. Coined by Microsoft, a Frontier Firm is powered by intelligence on tap, run by human–agent teams, and defined by a new role for every employee: the “agent boss.” These organizations don’t just experiment with AI—they realign strategy, operating models, and talent around it, backed by trustworthy data foundations and strong leadership sponsorship.In this conversation, you’ll hear from industry leaders who are already charting that course. We’ll explore what it really means to be a Frontier Insurer in the age of AI, how peers and technology partners are reshaping their businesses end to end, and the strategic moves executives can make now to protect relevance and unlock new growth.

In this riveting podcast, Matt Crum, President of Frank Winston Crum, shares how the company evolved from a Florida workers’ comp carrier into a multi-state specialty insurer while modernizing its technology foundation with Majesco. He explains how legacy systems constrained product expansion and speed to market, prompting a rigorous selection and blueprinting process to choose a scalable, configurable core platform. He also details how they now leverage AI across underwriting, servicing, and claims to reduce friction for agents and insureds, lower expenses, and improve decision-making. 

In this illuminating episode, Denise Garth is joined by Arvind Sontha, Founder and CEO at Kyber, to look at how AI transforms claims communication by turning unstructured claim notes into clear, empathetic, and compliant customer correspondence while preserving governance and auditability across workflows. They highlight how AI templates encode the best adjusters’ storytelling skills, close talent gaps, remove bottlenecks with coverage attorneys, and ultimately free humans from robotic tasks so they can deliver more human, empathetic service at scale.

Insurers are entering a new era marked by rising costs, volatile risks, and mounting pressure on expense ratios that expose the limits of traditional business and technology models. As intelligent core platforms, cloud, advanced data & analytics, and new AI-native capabilities like GenAI and Agentic AI gain momentum, the gap between Leaders, Followers, and Laggards is hardening into a structural divide that will determine who pulls ahead over the next three to five years. In this podcast with Denise Garth, Chief Strategy Officer at Majesco, and Gail McGiffin, Founder and CEO of GEM Insurance Advisors, you’ll explore how forward-thinking insurers are redefining their operating models and technology foundations to bend the cost curve, unlock new value from AI, and build a sustainable competitive edge. The conversation will unpack where investment and execution are stalling, how Leaders are prioritizing strategic initiatives, products, and channels, and why now is the time to move from AI experiments to real-world execution across underwriting, servicing, claims, and customer/agent experiences—so you can stay competitive, relevant, and positioned for growth in the Intelligent Era of Insurance.

In this insightful episode, Denise Garth sits down with Stephanie Whalen from Ullico to dive into the company’s bold transformation journey. They explore how the company’s rich history shaped its strategy, the critical role of technology and the right partner, and how Majesco’s Intelligent Core and GenAI are helping employees work smarter and adapt to change. Stephanie shares how Ullico is embracing a shift from green screens to modern solutions, what’s ahead for the business, and practical advice for others starting their own transformation journey.

In this episode, Denise Garth is joined by Sarah Woodrow and Andrew Brown from Aviva to share how they’ve transformed loss control from traditional site visits to a digital-first model using video inspections, self-surveys, and powerful analytics. They reveal how launching Aviva Self-Assess during COVID reshaped customer engagement, unlocked major time and cost savings, supported sustainability goals, and set the stage for new capabilities like an impairments module and data-driven risk insights that deliver greater value for commercial customers.

Join Majesco’s Denise Garth and InsurTech New York Co-Founder and Managing Director Tony Lew as they explore InsurTech’s next phase after a decade of rapid growth and investment. They discuss how investment priorities have shifted, what now defines a strong InsurTech opportunity, and guidance for those focused on GenAI and Agentic AI. The conversation looks at the rise of InsurTech zombies, the impact on insurers that rely on them, and where the next wave of innovation will emerge in an intelligent era of insurance.

Insurers are entering a new era marked by economic volatility, escalating risks, rapid technological change, and rising customer expectations that demand modernized operations and technology. Although already a quarter into the 21st century, many insurers still rely on outdated business models, making the need for transformation urgent.In this conversation led by Denise Garth, Chief Strategy Officer at Majesco, panelists Rob McIsaac (RPM Ventures NC, LLC), Lisa Wardlaw (360 Digital Immersion), and Jim DeMarco (Microsoft) explore whether insurers are truly motivated to change. Their discussion centers on why adapting now is essential to remain competitive, relevant, and positioned for growth—and how bold strategy and smart execution can help insurers leverage emerging trends to their advantage.

From early InsurTech days to today’s AI-powered landscape, Denise Garth sits down with Bob Frady to explore how PropertyLens is transforming property data and risk assessment. They discuss how the evolution of data, analytics, and AI, from predictive to GenAI to Agentic AI, is reshaping property intelligence, insurance pricing, and loss prevention. Plus, how the Majesco and PropertyLens partnership is helping insurers move from paying claims to preventing them.

Majesco’s Denise Garth is joined by K2 Insurance Services’ Matthew LuBien to unpack the key ingredients to MGA success. They dive into market opportunities driving future growth, areas where product development needs support, and what to look for when selecting a technology foundation and partners. The conversation also explores why minimizing customization matters, how to bridge underwriting expertise with technology, and the ways data and AI are revolutionizing insurance.

Join Denise Garth and Felix d'Alançon of AKUR8 for a dynamic conversation on the evolving pace of change in the P&C market and how pricing strategies are adapting in response. They explore the impact of having a well-integrated end-to-end solution from pricing to rating, the business value unlocked through the Majesco and AKUR8 integration with Majesco’s Enterprise Rating solution, real-world customer use-cases, and what the future holds for pricing and rating from a business and technology perspective.

This week on the Future of Insurance Podcast, NYPIUA’s Kin Lee joins Denise insightful conversation on the transition from legacy technology to intelligent, cloud-native core solutions. They explore how to avoid carrying forward outdated complexity, the business value of GenAI, and embedded new opportunities for transformation. They also highlight the innovation potential for smaller companies adopting next-gen intelligent core platforms, the importance of strong partnerships, and practical advice for mid- to small-sized insurers navigating their modernization journey.

In this episode, Denise Garth sits down with Marie Loughran of Boston Mutual Life Insurance to explore the key drivers of business transformation in today’s insurance landscape. They dive into selecting the right technology foundation, choosing the ideal partner, and unlocking the power of data, analytics, and GenAI. Marie shares insights on reshaping roles and organizational structures to align with modern business models, and how a digital-first foundation improves customer retention and ease of doing business. Tune in to hear what excites her most about the future possibilities enabled by this new foundation of business and technology. 

In this episode, Denise Garth sits down with Jim DeMarco from Microsoft to explore the accelerating pace of technology and AI innovation in insurance. They dive into the power of embedded GenAI, emerging use cases for Agentic AI within core platforms, the importance of GenAI governance, and how these technologies are poised to lower costs, enhance service, and rebuild trust across the industry.

A decade into the $50 billion insurtech experiment, what have we learned? Denise Garth and Gallagher Re’s Andrew Johnston discuss the biggest successes, missteps, and evolving investment strategies. From AI and data analytics to the real impact of GenAI, they explore how insurers are leveraging technology, the challenges of turning data into action, and what the next decade of insurtech innovation could bring.

In this episode, Denise Garth is joined by David Gritz, Managing Director of InsurTech New York, to delve into the rise of MGAs and the groundbreaking "market-makers" shaping the industry. Together, they explore recent research on MGA priorities, innovative products, and the pivotal role of technology. The conversation also covers the evolution of Insurtech, examining key players, investment trends, and how this new phase differs from the past decade. Plus, they discuss overlooked areas like flood and disability income insurance, and how innovation can revitalize these sectors. 

Denise Garth is joined by NextGen Underwriting’s CEO and Founder Jen Kyung to explore how insurers can navigate rising costs, shifting risks, and advancing technologies to enhance performance and innovation. They discuss transforming underwriting with AI and data-driven insights, building risk resilience to address complex challenges, and leveraging loss control technology to mitigate risk. Tune in to gain valuable insights on adapting to a world of growing risk! 

In this episode, Denise Garth and Jim MacMillan of Vantage Risk explore the dynamics of transformation versus building from the ground up, examining the key differences, challenges, and opportunities of each approach. They delve into strategies, business drivers, technology needs, and the implementation process involved in deciding whether to buy or build technology. The conversation also covers the evolution of data and analytics, the future of GenAI, and the importance of leadership and embracing failure as part of growth. Don't miss out on this insightful discussion!

Dive into the world of data with Denise Garth and Fenris Digital’s CEO and Founder Jennifer Linton! They’ll discuss the transformation of insurtech and key learnings, the challenges of “productized data,” the role of contributory databases, and the 3 layers of data usage: fill, predictive, and prescriptive. They’ll also explore the exciting future of our new AI ecosystem, the evolution of GenAI, and how to leverage its capabilities. Tune in to discover what’s next for Fenris Digital and the insurance industry! 

Denise Garth is joined by Majesco CEO Adam Elster to explore the challenges of transformation in the insurance industry through the lens of "Just Say No." They delve into the industry's struggle with legacy processes, customization, and risk aversion, discussing how these hinder innovation, modernization, and cost-efficiency. Discover why simplifying operations and focusing on true competitive advantages is key to unlocking the potential of new technologies like AI and automation.

In this episode, Denise Garth is joined by Gail McGiffin from EPAM to explore the transformative potential of GenAI in insurance. They discuss how GenAI is reshaping business operating models, creating efficiencies, and embedding itself into everyday workflows. From underwriting to claims processing, they dive into the significant impact on productivity, customer satisfaction, and cost reductions. Gail shares insights on transcending generations with GenAI’s accessibility, the importance of end-to-end process optimization, and how insurers can rethink their business models to unlock GenAI's full value.

Join Denise Garth and Heather Wilson, CEO of CLARA Analytics, for a dynamic and insightful podcast exploring the transformative role of data, analytics, and AI in insurance. Together, they’ll dive into the evolution of data-driven strategies, how AI is revolutionizing claims efficiency, and share best practices for leveraging these technologies. Plus, they’ll unpack the potential of GenAI and augmented intelligence, offering a glimpse into the future of AI in the industry over the coming years. Don't miss it!

In our latest episode, Denise Garth sits down with Richard Hutchinson, CEO of OpenRoad Insurance, to discuss the unique challenges and opportunities of building a company from the ground up. Discover the key factors behind their success, how they integrated Intelligent Core and GenAI for enhanced operations, and the importance of strategic partnerships. Tune in to learn about their innovative strategies and valuable advice for aspiring entrepreneurs ready to forge their own paths.

Join Denise Garth and Charlee.ai’s Sri Ramaswamy as they delve into the evolution of InsurTech over the past 8-9 years, sharing invaluable insights and lessons learned. Discover how their groundbreaking AI/ML strategies have revolutionized fraud detection and explore their expansion into new models, the impact of GenAI, and what the future holds for both the industry and Charlee AI.

Join Denise Garth and Insurtech Insights’ Megan Kuczynski for our latest podcast as they explore five key topics transforming the insurance industry. They’ll cover the shift from assess-and-pay to Predict and Prevent Risk models, the impact of climate change on underwriting and resilience, and the rapid rise of GenAI in data and analytics. Plus, they’ll delve into the evolving insurtech landscape and the changing expectations of employees, focusing on diversity and technology. 

Join Denise Garth and Deloitte’s Amy Allen as they explore the rapid growth of the MGA and E&S markets and the opportunities they present. Discover the essential capabilities needed to stay ahead, innovative approaches to risk modeling, the pivotal role of data and analytics, and the exciting potential of GenAI in revolutionizing insurance. 

Denise Garth is joined by RPM Ventures’ Robert McIsaac for a discussion on the evolution of the insurtech space, technology challenges for L&H insurers and top of mind issues, and technology opportunities like GenAI. Tune in for valuable insights for navigating the future of insurance! 

Join Majesco’s Denise Garth and Antilles’ Raymond Perez Brayfield to explore how Puerto Rico's oldest insurer tackles challenges and embraces opportunities. Tune in they discuss Antilles’ transformation journey and the value of embedded analytics and GenAI to the business, customers, and agents. And learn how data optimization drives decision-making, expectations for technology partnerships, and best practices.

Join Denise Garth and A.M. Best’s Edin Imsirovic as they explore the growing gaps between tech-savvy auto insurers and industry laggards, and the long-term effects on growth and ROE. Tune in for insights on optimizing tech investments and strategic priorities to stay competitive in a rapidly evolving market.

Welcome to the second installment of our podcast series, hosted by Denise Garth, featuring insights from Majesco's Manish Shah and Microsoft's Sandeep Mangaraj. In this episode, they explore how Microsoft and Majesco are transforming trust, safety, and compliance in insurance, the impact of Generative AI on risk assessment, fraud detection, and customer engagement, and what's next in our partnership.

Join Majesco’s Denise Garth and Manish Shah, along with Microsoft’s Sandeep Mangaraj, for part 1 of this episode exploring the fusion of technology and insurance. Discover how Microsoft's tools enhance Majesco's products, from cloud-native architecture to cutting-edge AI like CoPilot, and learn how generative AI is transforming data analytics and decision-making in insurance.

Join Majesco’s Denise Garth and Ambac’s Shilpa Deshpande in an all-new podcast to learn about their approach to strategic partnerships, continuous technological evolution, and leveraging cutting-edge solutions like Majesco to drive innovation. Discover how Ambac is tackling regulatory challenges, preserving expertise through technology, and embracing the exciting opportunities unfolding in 2024!

Join Majesco’s Denise Garth and SPLICE’s Tara Kelly as they delve into the dynamic world of customer engagement and experience within the insurance industry. From the significance of a single view of the customer and the evolution of two-way texting and chat services to the importance of multiple engagement options and opportunities on the L&AH side. 

Majesco’s Denise Garth is joined by FIS’s Angus Botham for a discussion on the essential factors fueling the need for a cutting-edge reinsurance management solution. They explore FIS's robust reinsurance offering, highlight the significant business advantages of the partnership between Majesco Policy for P&C and FIS Reinsurance Management solution, and pinpoint key trends requiring insurers to embrace modernization. 

Join Denise Garth from Majesco and Lisa Wardlaw from 360 Digital Immersion as they explore the evolving landscape of Life & Health insurance. From tech challenges to market shifts, discover insights on personalized data, customer engagement, and the role of insurtech. Discover what lies ahead in 2024, and why L&H insurers are poised for a leap forward in this dynamic industry. 

Join Majesco’s Denise Garth and Tokio Marine’s Bob Pick as we discuss Tokio Marine's strategic partnerships, agile business models, and innovative approaches to data intelligence, AI, and IoT. Discover how Tokio Marine is leveraging cutting-edge technology to drive value, enhance customer experiences, and shape the future of the insurance industry. 

Majesco’s Denise Garth is joined by Beneva’s Executive Vice President and Business Performance and Information Technology Leader Catherine Desgagnés-Belzil for a podcast on how the Beneva merger of SSQ Insurance and La Capitale in 2023 reshaped business and tech strategies, the key decisions behind choosing the sales and underwriting workbench, providing a competitive edge through a new digital customer experience, partnership criteria and the exciting AI innovations shaping Beneva's future.

In Part 2 of our podcast with Majesco President and Chief Product Officer Manish Shah, Denise and Manish dive into Majesco’s strategy of continuous innovation and how it propels Majesco’s adaptability to market changes, how Majesco amplifies value for the market and customers through acquisitions and offers insights into the technologies that will be critical to the industry in the next few years.

Denise Garth is joined by Majesco President and Chief Product Officer Manish Shah, for part 1 of this podcast that delves into how Majesco’s innovative technical architecture, Cloud-Native design, Open API compliance, microservices and containerization, and Embedded Analytics, shape the future of Majesco products amidst legacy system challenges faced by insurers.

Join Majesco’s Denise Garth and One Inc’s Ian Drysdale as they explore the changing landscape of insurance payments, covering key trends in P&C and L&AH segments, the shift of billing and payments to the customer forefront, and the acceleration of operational optimization through One Inc's integration. They discuss speed to market, diverse payment options, and the future of billing and payments while highlighting the risks and rewards for insurers.

Denise Garth is joined by MMG’s Chris Maple for a riveting discussion on business transformation, pitfalls during transformation programs, agent and partner relationships, the importance of CX and usability design, best practices and what’s next on their journey! 

Denise Garth is joined this week by Forge Insurance’s Patrick Bracewell and Brian Mancino to discuss their transformation journey at Forge, why subscription models are important, how their new digital agent portal, Agent360, is key to creating ease of doing business, how smaller companies can benefit from next-gen core like Majesco to enable innovation, partnership expectations, and advice for insurers considering legacy transformation. 

Tune in to this week’s podcast featuring Boston Mutual Life’s Jennifer King as she joins Denise Garth to discuss Boston Mutual’s business transformation, challenges in rethinking your business model, the role of technology in driving speed to market, how to align your organization with a new business model, product innovation and the importance of a digital focus for a positive customer experience. 

Denies Garth is joined by USIC’s Israel Lorenzana to discuss USIC’s business and technology strategies, the foundation for a digital transformation, how being in Puerto Rico has affected meeting customers’ needs, the importance of CX and usability design, data & analytics, partner expectations and best practices. 

This week’s podcast guest is Capgemini’s Lars Boeing! He joins Denise for a riveting conversation on claims for the digital customer. They’ll cover the future of claims, how to increase risk resilience, how IoT is changing claims, and what the new era of claims is defined by.