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Trust is the Most Important Thing You Sell. Reputational risk - leadership, health, retail keynote

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Life's too short to do things you don't believe in! Why passionate belief in the true value of what you are selling or doing is the number one key to success. Secret of all leadership and marketing - keynote for 1100 people in Vilnius October 2021

Why you HAVE to MEET to close deals. Want to make change happen and innovate? Get your teams into the office. Sales beyond COVID. Marketing keynote speaker - 1100 people

Join me: Accenture SustainABILITY event, Lisbon, Portugal. Keynote on Sustainability and Technology

Future of Sales and Marketing beyond COVID - audience of 800 in Vilnius. Digital marketing, location marketing. How to create MAGIC in new marketing campaigns. Future of Marketing Keynote Speaker

Why this is boom-time for physical corporate events in some nations following COVID vaccinations - future of conferencing, keynote speakers. Get ready for hyper-agile pop-up events at short notice. Companies have to meet to survive. CALL NOW +447768511390

Huge Tomatoes from Exhaust Gas in Power Generation, and re-use of heat. Greentech Innovation, CO2 emissions reduction, energy and food industry - climate emergency keynote speaker - VIDEO

For YEARS I warned about new pandemic risks. Life beyond COVID - impact on health care innovation, vaccines, future of pharma research and drug development. Future of Health care Keynote Speaker and Physician who warned for years about new pandemic risks

Life Beyond COVID. Virtual Event Futurist Keynote Speaker.High audience engagement on COVID. Patrick Dixon is one of the world's leading keynote speakers on health care

Q+A on COVID: global impact - with Futurist physician advisor to corporations and government. COVID keynote speaker - health care trends

Future Online Insurance - Opportunity or Risk? - Aggregators

Futurist Keynote Speaker: Posts, Slides, Videos - Future of Insurance - Keynote Speaker on Risk

"Future of life insurance and ageing"

Future of the insurance industry: People look for all kinds of insurance products online but are these insurance companies really offering good value? Where are the best insurance deals? These pages independent of the insurance industry, by Dr Patrick Dixon, Chairman of Global Change Ltd.

Insurance companies work by averaging risk, and taking a cut of premiums. Web-based insurance applications in theory allow insurance brokers to cherry-pick lowest risks and offer low premiums. But it is still hard to be sure your insurance quote really is the best.

Motor insurance, house buildings insurance, house contents insurance, health insurance, holiday insurance, life insurance - all these should be easy to fix online with instant quotes, electronic insurance contracts, e-mail confirmation. It's getting better for people living in some countries but there's a long way to go.

On the other hand, insurance companies themselves are worried about online "aggregators" - sites which gather many insurance products onto one page for price comparisons. They fear that insurance will just become a standard commodiy, driving prices and profits down. In theory good news for customers, but not if at the expense of good support.

Need a world-class insurance keynote speaker? Phone Patrick Dixon now or email.

Problems with online insurance quotes

  • Price of insurance may be given as guide only - not binding.
  • Some insurance companies quote only by e-mail or phone.
  • Insurance policies issued online may be invalid in law in some countries
  • Insurance may only apply to only one country - but is it yours?
  • Few global insurance brokers so far in terms of being able to offer for example auto cover in any territory with online application.
  • Difficult to get a one-click comparison of all policy premiums from different insurance companies, all with correct insurance data, and able to issue temporary cover immediately on payment of first insurance premium by credit card.
  • Sites offering quotes from many insurance companies rarely include the whole market - because some insurance companies are not prepared to pay them a commission. And that means the cheapest commission-free deals may not be on these insurance "portals".
  • You have no guarantee that all the best insurance deals are being presented fairly. Are the commission rates the same? Is the website steering you towards insurance policies which give the broker the highest return? A good site will show you exactly how much of your insurance premium will go to the broker - indeed a legal requirement in some countries.Some companies accept processing of a credit card payment as proof of insurance cover. In other words, if the insurance company takes payment on a certain day, it will appear on your statement as proof that they have agreed the policy. However there is still a problem for the insurance company to be sure you are who you say you are, that your address is correct, the details accurate. This is particularly an issue with payouts for insurance claims.

Problems with online insurance claims

  • Same problem of signing an insurance claim form.
  • Once again insurance companies fear online fraud.
Need a world-class insurance keynote speaker? Phone Patrick Dixon now or email.

Watch many insurance industry videos by Patrick Dixon

Online insurance article written 2006, updated 2008.

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Future Trends - for insurance industry audience with interest in sustainability.  For Kilne Group.

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Future of the global insurance industry - for HSBC Insurance global leadership team

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Global Trends and their impact on the insurance industry - Munich Re event for clients from Asia. How the insurance industry will be affected by wild cards (low probability, high impact events), why demographic forecasts for ageing and pensions liabilities are incorrect, the development of insurance industry in emerging markets, single issue activism and a rethink about business ethics.

The Future of Insurance, Pensions, Fund Management, Health and Life - Internal event for senior team members of Allianz looking at opportunities and challenges from such trends as new technology, demographic shifts, emerging markets and lifestyle choices. What will happen to life expectancy and the latest on ageing.

HSBC Chairman's Leadership Summit September 2005 - Opening keynote at event for HSBC senior leadership on issues likely to impact the bank, for some of the senior HSBC global leadership team.

Global Trends in Banking and Financial Services - executive training programme for senior teams at Credit Suisse, covering a broad range of issues that are likely to affect the bank and personal / corporate clients.

Managing risk in an uncertain world - Risk management client event for Zurich Financial Services in Lucerne Switzerland. How to manage risk more effectively, with clear vision of future potential liabilities and "wild cards". Many of the greatest risks are the hardest to measure - for example loss of brand value, reputation, sales and share value following high profile scandal. Risk management is becoming more complex and new strategies are needed, including better early warning systems.

The Future of Commercial Insurance Brokers - and related issues. Client event for Zurich Financial Services for their largest commercial insurance brokers in the UK, covering important insurance-related trends and risk management.

Need a world-class insurance keynote speaker? Phone Patrick Dixon now or email.



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Thanks for promoting with Facebook LIKE or Tweet. Really interested to read your views. Post below.

Candyce Dryburgh
November 30, 2016 - 23:57

Hi Patrick,

I am currently doing a design project looking at what life extension means for the future of basics in society and very interested to have a chat with you re your ideas on life insurance and how this all could / would effect the state working age...
Also is extended life an option or is it the natural way of our human evolution?

All the best and look forward to your response,
Candyce

Join the Debate! What are your own views?


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