The L&A Hub

Jane Vevea spent 20 years in life insurance before anyone would have called her a tech person. She started at Prudential in 2006 running a retention call center, wholesaled through the bank channel at PNC, got laid off, and made a sharp left turn into insurtech. That detour took her through White Swan, then Atidot — where she was predicting lapses, surrenders, and upsell opportunities using AI before most carriers had even thought to ask the question — and now to xAI, where she works as a finance domain expert on large language models.This conversation covers the real friction in selling AI to insurance carriers (spoiler: it wasn't the actuaries who resisted), why retention AI surfaced uncomfortable ethical and legal questions the industry wasn't ready for, and what a bottom-up AI adoption strategy actually looks like inside a carrier. Jane also makes the case for why the skills AI can't replicate — creativity, human judgment, genuine relationships — are exactly the ones that were undervalued in insurance for decades. And she's blunt about what she fears most: an industry that feeds its biased past into AI models and calls the output progress. References to artificial intelligence and automation in this discussion are intended to describe industry developments and operational concepts. AI tools may assist professionals, but they do not replace licensed advice, suitability reviews, best-interest obligations, or professional judgment.

Ryan Hinchey has one of the more unique résumés in the annuity business: actuary, Amsterdam expat, Silicon Valley insurtech veteran, and now SVP of Product Innovation at AmeriLife — one of the country's largest distributors of annuity, life, and health products. That arc turns out to be exactly the right background for what he's doing now.In this episode, Ryan walks through the three models AmeriLife uses to partner with carriers on product development — exclusive, leverage, and proprietary — and why the best ideas increasingly come from the IMO level, not the home office. He explains how he stress-tests product concepts before a single line of pricing work gets done, using a "product blueprint" that forces a clear value proposition early. He also talks candidly about the lessons from his time at Health IQ: get the reinsurer on board first, go after mid-tier carriers before the big names, and be willing to put skin in the game.On AI, Ryan is doing something genuinely interesting: using it to extract selling stories from wholesaler YouTube videos — structured intelligence on how real people pitch real products. Listeners come away with a sharper sense of what it actually takes to build an annuity product that distribution will move.

Wei Chen is an Associate Professor at the University of Connecticut School of Business and co-leader of the Digital Frontiers Initiative. Over the last three years he's made generative AI his mission — graduate courses, executive workshops, a textbook, and now a business novel modeled after The Goal and The Phoenix Project, set inside an insurance company.His central argument: every serious conversation about AI and the workforce stops at the task level — which tasks AI can automate, which jobs are at risk. But tasks are only the bottom tier. The level that actually determines whether AI transforms an organization is the workflow: the connected chain of tasks that produces a business outcome. And the piece nobody's building is ownership — a named human who's accountable for the whole workflow, with the authority to stop it when something goes wrong.The conversation covers Wei's TWO framework (Task, Workflow, Owner), the "validation tax" that turns AI adoption into theater, an Illinois regulatory compliance failure that illustrates exactly what breaks when no one owns the workflow, and why the only approach that works for high-stakes industries like insurance is one workflow at a time — not replacing all four jet engines at once.

This isn't a one-guest show. Paul brings together three of the industry's sharpest voices on retirement income — Joe Jordan, Ted Rosedale, and George Bain — for a roundtable on what's actually changing in retirement planning, and what isn't.Joe Jordan frames the demographic shift hiding underneath every tech headline: the U.S. has more centenarians than any country on earth, the worker-to-retiree ratio is heading toward zero, and Social Security benefits are mathematically on track for a 20% cut by 2033. Ted Rosedale explains why Social Security is the largest financial asset most Americans hold — and the most misunderstood — and how the new RSSA designation, now offered through The American College, is closing the advisor knowledge gap on 2,700+ claiming rules. George Bain makes the case that the $14 trillion in U.S. home equity is the leg of the retirement stool advisors keep ignoring, and that reverse mortgages have moved from "barbershop rumor" to legitimate planning tool.The through-line: AI changes how advisors work. It doesn't change demographics, the cost of getting Social Security wrong, or the trust required to put a real plan in place.Link to Joe: https://www.josephjordan.com/

Brian Poppe has done something rare in L&A: he started as an actuary, founded Mutual of Omaha's innovation practice as the entire department of one, served as Chief Data Officer, and now runs the company's life insurance P&L. That breadth is the lens for this conversation.Brian walks through his four-phase AI adoption framework — awareness, helping individuals, redesigning processes, and AI talking to AI — and gives a refreshingly honest read on where carriers actually sit. (Spoiler: most claiming phase four are still in phase two.) He shares the story of a partnership he loved but had to kill because the timing of the offer to grieving families was wrong, why he flew his CTO to Silicon Valley for a "petting zoo tour" that became the foundation of Mutual of Omaha's cloud insurer, and where he thinks carriers will see the first real process redesign — back-office NIGOs, not underwriting.Listeners will leave with a sharper way to evaluate their own carrier's AI maturity and a clearer sense of what real innovation looks like inside a Fortune 500 mutual.

Branislav Nikolic spent nine years at CANNEX, wrote a PhD dissertation on retirement and annuity optimization, and was doing machine learning back when it was still called machine learning. Today he runs the insurance practice at The Index Standard — the independent firm rating, forecasting, and benchmarking the 150+ indices feeding America's FIAs, RILAs, and IULs.In this episode, Branislav explains why eight out of every ten FIA dollars still flows into the S&P 500 even after gold ran 60% and silver ran 130% in 2025. He breaks down why excess-return indices became confusing the moment interest rates moved off the floor, why "going to zero is your hero" is a bad way to compare an FIA to a market index, and why the indices that have actually performed best aren't the simplest or the most complex but the ones in the middle. He also makes the case for renewal rate integrity as the next thing the industry has to clean up — and tees up where The Index Standard goes next as carriers reopen the NAIC illustration guidelines.

Ramsey Smith — former Goldman Sachs life insurance banker, Genworth board director, and Founder/CEO of ALEXIncome — argues that the next great wave of guaranteed income won't come from agents or RIAs. It will come from the 401(k) default option. He breaks down why fixed deferred is winning the in-plan annuity race, why a $140B market is just the beginning of a $5–15T total addressable market, and why this is the most important generational opportunity carriers have to take back ground they relinquished decades ago.

Ramsey Smith — former Goldman Sachs life insurance banker, Genworth board director, and Founder/CEO of ALEXIncome — argues that the next great wave of guaranteed income won't come from agents or RIAs. It will come from the 401(k) default option. He breaks down why fixed deferred is winning the in-plan annuity race, why a $140B market is just the beginning of a $5–15T total addressable market, and why this is the most important generational opportunity carriers have to take back ground they relinquished decades ago.

James Wong built a massive IMO from scratch, sold it to a Fortune 500, and then launched The Founder's Chair — an insurance-focused angel investing platform that has funded 17 companies and deployed $11M+ in two and a half years. In this episode, James breaks down what AI is actually doing to startup teams right now: one founder quietly let go of two engineers, another is doubling down on senior talent, and a third expanded her team's scope instead of cutting. He shares his unfiltered read on the LPL-Anthropic deal, why it overnight made the biggest firms every startup's competitor, and why the next wave of insurance founders will need to build quietly before they raise. Plus: what James is watching for at the Founder's Chair August event.

Patrick Kelly, Co-Founder and CEO of Signal Advisors, breaks down his IMO 4.0 thesis — the idea that modern IMOs should implement best practices through technology, not just teach them. From founding RepPro to building an AI-native IMO in Detroit, Patrick shares what it took to create features like One Click Annual Review, TruePay, and Pay Later Marketing that are changing how advisors run their businesses.

Nick Gerhart — former Iowa Insurance Commissioner, insurtech investor, and now COO of Homesteaders Life — makes the case that smaller carriers can finally outmaneuver the big guys. He talks about building adjacencies around pre-need insurance, why the AI governance framework needs rethinking, and why his single piece of advice to every insurance professional is the same: don't do nothing.

Cally Myhrum, founder of Lotus Fertility Insurance, shares how a personal experience led her to build the first fertility protection product embedded in life insurance. With IVF costing $60-70K and no individual coverage options, she's creating a $265 billion blue ocean — and carriers are paying attention.

Michelle Gordon, COO of Axonic Insurance, reveals how a startup grew to $2.1B in issued annuities in its first year — with its own cloud-built policy admin system and 125 employees. Plus, her passionate case for why the SEC's 1987 ruling on financial planning is harming American retirees and the insurance industry alike.

Andrew Barnett, VP of Technology Innovation at FIG, shares how a stint in minor league baseball led him to one of the most forward-thinking tech teams in insurance distribution. He breaks down FIG's work at the IRI hackathon — including an AI agent that calls clients to gather application data — and makes a compelling case for why the industry needs to stop planning to 2028 and start shipping in weeks.

Moshe Golomb, CEO of Juice Financial, tackles the $10 trillion check problem still plaguing insurance. After 26 years digitizing payments across retail and banking, he's bringing Uber-like transparency to insurance disbursements — from death claims to annuity payments to international stablecoins. Plus: why 20% of insurance costs are fraud, and how open banking is changing the game.

Darren Rowe, CEO of Kadance, explains how his precision health management program is changing life insurance from a death benefit into a living benefit. Learn how genetic testing, cancer navigation, and pharmacogenomics are being embedded into life insurance policies — and why Nationwide bet on this approach.

Paul Tyler speaks with Ash Sawhney, President and Chief Revenue Officer of Zinnia, about the transformative changes in the life insurance and annuity sectors. They discuss the evolution of underwriting, the impact of technology and AI, and the entrepreneurial journey within the insurance industry. Ash shares insights on how Zinnia is digitizing and automating processes, the challenges faced by new businesses, and the future of underwriting in a rapidly changing landscape.