Insurance 2030

McKinsey report

The industry is on the verge of a seismic, tech-driven shift. A focus on four areas can position carriers to embrace this change.

Welcome to the future of insurance, as seen through the eyes of Scott, a customer in the year 2030. His digital personal assistant orders him an autonomous vehicle for a meeting across town. Upon hopping into the arriving car, Scott decides he wants to drive today and moves the car into “active” mode. Scott’s personal assistant maps out a potential route and shares it with his mobility insurer, which immediately responds with an alternate route that has a much lower likelihood of accidents and auto damage as well as the calculated adjustment to his monthly premium. Scott’s assistant notifies him that his mobility insurance premium will increase by 4 to 8 percent based on the route he selects and the volume and distribution of other cars on the road. It also alerts him that his life insurance policy, which is now priced on a “pay-as-you-live” basis, will increase by 2 percent for this quarter. The additional amounts are automatically debited from his bank account.

When Scott pulls into his destination’s parking lot, his car bumps into one of several parking signs. As soon as the car stops moving, its internal diagnostics determine the extent of the damage. His personal assistant instructs him to take three pictures of the front right bumper area and two of the surroundings. By the time Scott gets back to the driver’s seat, the screen on the dash informs him of the damage, confirms the claim has been approved, and that a mobile response drone has been dispatched to the lot for inspection. If the vehicle is drivable, it may be directed to the nearest in-network garage for repair after a replacement vehicle arrives.

While this scenario may seem beyond the horizon, such integrated user stories will emerge across all lines of insurance with increasing frequency over the next decade. In fact, all the technologies required above already exist, and many are available to consumers. With the new wave of deep learning techniques, such as convolutional neural networks,1 artificial intelligence (AI) has the potential to live up to its promise of mimicking the perception, reasoning, learning, and problem solving of the human mind (Exhibit 1). In this evolution, insurance will shift from its current state of “detect and repair” to “predict and prevent,” transforming every aspect of the industry in the process. The pace of change will also accelerate as brokers, consumers, financial intermediaries, insurers, and suppliers become more adept at using advanced technologies to enhance decision making and productivity, lower costs, and optimize the customer experience.

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Lloyd’s, the „Market“

Visiting the „Market“

Lloyds is the world’s specialist insurance and reinsurance market.

After two days of great meetings in London, my colleague Ali Hauser kindly organized a visit of Lloyd’s for me. Rachel was a great guide! She explained me that the bell you see on this photo rarely rings. Luckily! Indeed, when it rings once, it means that a tragic event has taken place somewhere in the world: ship has sunk or disappeared for example. When it rings twice however, it means that it is found again! Only the „Head Waiter“ has the right to ring the bell.


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Global Captive Podcast

Captive Insurance

In this highly interesting podcast, Richard Cutcher interviews Ali Hauser, INGAGE CEO for Latin America. Ali shares his experience and views on the market with Richard.

Listen to this podcast.


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Our CTO sets a car on fire!


Thanks to our CTO, we are now able to set cars on fire, but also buildings, planes and even oil platforms. We can also create earthquakes and much more! Anything that leads to claims, our CTO and his team can create it!



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Demo of the Simulator

Here is an introduction of our Insurance Simulator. If you are interested in a 30-minute in-depth demonstration, you are welcome to contact us.


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Jornada de Seguros

The Insurance Day in Buenos Aires

The Insurance Day took place in Argentina this year on May 22.

The key topic were digitization, disruption, Artificial Intelligence and Big Data.

As the behavioural economist Dan Ariely once tweeted, “Big data is like teenage sex: everyone talks about it, nobody really knows how to do it, everyone thinks everyone else is doing it, so everyone claims they are doing it.”




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Find the insured (or not) Treasure!

Treasure Hunt

Do you have new recruits joining your company in Zurich, London, New York, Hong Kong? Or do you have clients that come to visit you for a workshop or a week-long seminar?

You might want to do a bit of team building and help them discover your city and its history! This app makes it possible for you to organize treasure hunts around the city or your company’s campus.

You can use or ready-made treasure hunts about Zurich or London specifically designed for the insurance industry. Use the out-of-the-box version or customize it to your need!



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Full focus on INSURANCE!

Belinguo becomes INGAGE!

Belinguo AG is a company incorporated in Zurich, Switzerland.

In order to reflect our exclusive focus on the insurance industry, we have decided to rename it „INGAGE“ (

It stands for INsurance enGAGEment. It is a platform dedicated to training for the insurance industry (for both online and blended learning). 

„INGAGE is the Training Platform for the Insurance Industry“. We offer out-of-the-box and bespoke online training for large and small companies in the industry. This includes engaging online courses, simulations, 3D scenarios and much more to train new employees as well as experienced insurance professionals. See

Please note that redirects now to



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Blockchain in the insurance sector


„22% of insurance, asset and wealth management business is at risk to disruption from FinTechs according to our Global FinTech survey. Almost three quarters of insurance leader surveyed in the survey considered that insurance would be the most disrupted industry. Meanwhile, complex processes with multiple interactions, duplication of data entry and risk of fraud slows down traditional players’ ability to react.“ PwC


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Burnout and insurance companies?

Help your employees gain their full potential and avoid burnouts

1 employee in 5 considers her/himself to be tired or lacking energy. Most employees also report a high level of tiredness after lunch.

What if we could offer your employees to have a high level of energy the whole day long?

The general lack of energy as well as the post-lunch fatigue represent a substantial loss of productivity for companies and stress for employees.

This online module will guide employees through a quick analysis of their present situation, their needs and will give a first assessment of their present level of fitness as well as solutions easily implementable within minutes and measure quickly the result: more energy and more productivity. According to NASA, some strategies can improve by up to 35% employees’ reactivity and productivity in the afternoon.

(Only available in French for now. English, German, Spanish, Italian roll-out scheduled for 2020)

Stéphane Tétart, naturopath, is the author of several books about health and well-being, including “Stop the fatigue” and the best-seller „Secrets of naturopaths“. He has helped people regain their full potential and productivity at work for more than 10 years after experiencing a burnout himself.

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The Digital Nomads of Insurance

This video about some of our co-founders – the „INGAGE Brothers“ – shows that they also „Think Different“ in their daily lives. INGAGE’s concept of a „virtual first“ company with digitization of all its processes is at its core. 



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