WTW Insurance Consulting and Technology

How can insurers stay competitive in an increasingly complex market? By combining data, analytics and AI-powered insights, insurers can spot trends earlier, test scenarios faster and make more informed decisions that support profitable growth and long-term strategy. Our colleagues Chus Guitard Lejarreta and Gero Nießen explore why active portfolio management is becoming a key differentiator for insurers looking to improve agility, speed up decision-making and stay ahead of the market. https://ow.ly/YRLG50Zv62u Interested in learning more? Connect with our team at ICT@wtwco.com. #Insurance #PortfolioManagement #DataAnalytics #AI #WTW

The future of claims isn't just AI. It's an AI workforce. Join Fredrik Thuring, WTW's EMEA Data Science Director, at Digital Insurance CEE as he explores how Agentic AI can transform claims handling through specialised AI agents working together across the entire claims lifecycle. From faster decisions and enhanced customer experiences to greater operational efficiency, this session will explore how insurers can unlock value today while building towards the future of claims. If you're thinking about the next generation of claims operations, this is a conversation you won't want to miss. 📍 Warsaw, Poland 📅 9 September Interested in learning more? Connect with our team at ICT@wtwco.com. #WTW #AgenticAI #ClaimsTransformation #AIInInsurance

One month on from our 2026 Personal Lines Insurance Conference, the key themes, challenges and opportunities discussed continue to shape conversations across the industry. Our presenters highlighted the complex balancing act insurers face across personal lines today. From the growing influence of AI in pricing, underwriting and claims to the challenge of responding to rapidly evolving risks, it's clear that success increasingly depends on combining predictive insight with the ability to adapt quickly. As risk landscapes continue to shift and technology accelerates change, insurers are being challenged to rethink traditional operating models, manage uncertainty more effectively and deliver better outcomes for customers. 📩 If you’d like to discuss any of the topics covered, or would be interested in attending future events, please contact ict@wtwco.com. #WTWPersonalLines #Insurance #Insurtech

AI in insurance is moving beyond data extraction and workflow support into something far more transformative. The next wave of agentic AI will bring specialised capabilities across underwriting, reserving, pricing and portfolio management, helping organisations make better, faster and more connected decisions. As Magdalena Ramada Sarasola, PhD and Matthew Lambert discuss, the real differentiator will not be the tools themselves, but how insurers embed expertise, orchestrate human and AI decision-making, and scale what works. The game of insurance remains the same. The opportunity lies in reimagining how it is played. Watch the full video here: https://ow.ly/UEmV50ZtJHJ #AIinInsurance #AgenticAI #CommercialandSpecialty #WTW

What happens if dementia outcomes improve? The answer could have significant implications for future mortality trends and longevity risk. Richard Marshall and Scott Hamilton examine whether dementia could become the next big longevity event - and what insurers and reinsurers should be watching. Read the white paper: https://ow.ly/oAs450ZtJ4z #Insurance #Reinsurance #LongevityRisk #RiskManagement

Register now! We are delighted to be hosting our annual flagship Life 2026 Conference bringing together senior leaders from across the life insurance industry. This year’s conference focuses on how firms are reshaping their businesses in practice - harnessing artificial intelligence, driving finance transformation, and evolving capital and product strategies to unlock meaningful change and sustainable competitive advantage. WTW experts will explore: • The impact of AI and analytics on the future of life insurance • Real-world perspectives on finance transformation • Evolving capital and reinsurance landscape • Key developments in the pensions market and opportunities for insurers • Other emerging challenges and opportunities across the industry Event details 📅 Thursday 17 September 2026 ⏰ 10am – 5pm, followed drinks, canapes and networking 📍 WTW, 51 Lime Street, London, EC3M 7DQ To register your interest or to find out more, please contact us at ict@wtwco.com. We look forward to seeing you at the conference! #LifeInsurance #WTWICT

We’re pleased to share that Aksigorta has selected Radar™’s AI-led business monitoring capability, Radar Vision, to enhance its portfolio management capabilities and support its continued transformation. Aksigorta has doubled down on cutting-edge technology within its pricing function, reinforcing its position as an innovative leader in the Turkish insurance market. By building on its existing Radar foundation, the addition of Radar Vision has enabled best-practice portfolio steering, with monthly monitoring across several risk models and weekly tracking of conversion and data drift metrics across hundreds of thousands of observations. Metin Demirel, COO of Aksigorta & AgeSA, commented: “In today’s fast-evolving insurance market, sustainable growth requires moving beyond traditional analytics. At Aksigorta, we view artificial intelligence and machine learning as key enablers of the next generation of insurance pricing. With Radar Vision, we are leveraging advanced pricing technologies and machine learning to transform complex data into actionable portfolio insights. This enables our teams to shift focus to high-value strategic decision-making—strengthening our risk management capabilities, seizing growth opportunities faster, and driving sustainable profitability with confidence.” We look forward to supporting Aksigorta on this journey and seeing the impact of enhanced agility and insight in driving performance. Find out more about Radar: https://ow.ly/cHzu50Zt6aF #WTWRadar #Insurtech #InsuranceInnovation #WTW #Aksigorta

📣 Featured in The Actuary AI, real-time portfolio management and new pricing models are redefining the role of the actuary, while medical inflation and ageing populations continue to raise the stakes. WTW experts Lisa Balboa, Claire Geraghty, James Haybyrne and Algirdas Dineika explore what's changing - and what it means for the future of health insurance in the latest issue of The Actuary. 📖Read the full article here: https://ow.ly/jBGg50ZrWnN Key themes from the article include: 🩺 Smarter, more flexible product design 📊 AI-powered analytics and portfolio management 💡 A more strategic role for commercial actuaries If you'd like to discuss these topics in more detail, contact us on ict@wtwco.com. #HealthInsurance #Actuarial #WTW #MedicalInflation #HealthcareInnovation #Insurance

Longevity risk remains a critical consideration for insurers participating in the U.S. pension risk transfer market. WTW’s Geospatial Mortality Model (GMM) is now available to insurers and reinsurers, bringing enhanced predictive capabilities to support pension risk transfer pricing, strengthen asset-liability management and improve visibility into longevity risk. “By making this proven model available to the insurance community, we’re giving PRT writers a powerful new way to sharpen pricing, enhance longevity risk management and compete with greater confidence,” said Karen Grote, Managing Director and North American Life Division Leader at WTW Insurance Consulting and Technology. GMM produces more flexible mortality assumptions by harnessing the predictive power of both pension and geographic data, incorporating socioeconomic and health-related factors alongside participant-specific pension data that have been shown to be strongly predictive of life expectancy. Read more in the press release: https://ow.ly/Mnlr50ZruKq #PensionRiskTransfer #LongevityRisk #InsuranceInnovation #InsurTech #RiskManagement

The Solvency II review is reshaping how insurers approach the Dynamic Volatility Adjustment (DVA). Are your models ready for what's next? The introduction of the Credit Spread Sensitivity Ratio (CSSR) and the Enhanced Prudence Principle (EPP) in the revised Solvency II Directive (Article 122(5)) adds significant complexity to the internal models used by European insurers and insurance groups. This creates a range of financial, operational and strategic challenges, including: • Increased SCR modelling complexity, putting pressure on financial reporting processes and timelines. • Greater methodological constraints resulting from closer alignment with EIOPA's VA framework. • New governance, validation and ongoing monitoring requirements. • Broader implications for risk management, asset allocation and investment strategy. WTW’s latest survey of Dynamic VA users shows that insurers recognise the significance of these changes. Many are now working through key methodological questions and assessing how best to embed the new requirements into their day-to-day processes. Successfully integrating the updated framework into risk and investment decision-making, including asset management optimisation, will be a key focus area for the industry in the coming years. As implementation progresses, insurers will need to balance regulatory expectations with practical considerations around model design, governance and operational efficiency. If you’d like to discuss the implications for your organisation, please contact Aleksander Rejman, Pieter van den Hoek or your local WTW contact. #WTW #SolvencyII #DynamicVolatilityAdjustment #VolatilityAdjustment