The AI Hangover in Insurance: Pilots are Everywhere, But Value is Hard to Capture

Who Takes Over? The Future of the Broker Market.

What does the future of the broker market look like? Eduardo D’Alma speaks with Maximilian Würz, Co-Founder and Managing Director of Policen Transfer, about a market under pressure, shaped by consolidation, an aging broker base and missing succession. They explore what happens when client relationships leave the market, why infrastructure for portfolio transfers has been missing, and how digital platforms can change the way brokers, insurers and portfolios connect. The conversation also looks at the role of data, how it can be structured and enriched at scale, and what part AI plays in improving processes while reducing manual work. What you will hear in this episode • Why the broker market is under pressure: aging portfolios, missing succession and consolidation • What happens when client relationships leave the market without a clear handover • How digital marketplaces can enable portfolio transfers in a fragmented market • Why data quality and data gaps remain a core challenge in underwriting and transfer • How data enrichment and automation can improve efficiency and transparency • The role of AI in structuring data, supporting operations and reducing manual work • Why neutrality is critical when building market infrastructure • What the broker market could look like in the next 10 years Key theme The broker market is changing as consolidation, demographics and data reshape how portfolios are transferred and managed, creating the need for new infrastructure. Guest Maximilian Würz Co-Founder and Managing Director of Policen Transfer Host Eduardo D’Alma Partner, Wavestone

Say you work in insurance at a party and honestly, it kills the conversation.

A conversation about the endless opportunities in our industry. What does it take to make transformation work in insurance? Eduardo D’Alma speaks with Tamara Kurz, Founder & Insurance Broker at Athena Protectoria, about the forces shaping the industry from within and why change often feels slower and more complex than expected. They explore the tension between sales, risk and technology, three perspectives that rarely align, but all need to work together. Instead of eliminating this friction, the industry depends on managing it. The conversation also looks at why experience matters so much, how advisory is evolving beyond products towards decision clarity, and what role AI should play in moments that require trust and human judgment. What you will hear in this episode • Why transformation in insurance is fundamentally different from other industries • The three perspectives shaping every decision: sales, risk and technology • Why friction between these perspectives actually creates value • How experience and long-term thinking influence decision-making • From corporate leadership to building a modern brokerage • Why insurance should be about translating risk, not selling products • How to engage entrepreneurs and decision-makers in the topic of risk • Where AI can support service and where human judgment remains essential Key theme Transformation in insurance works when tension is managed and when experience, perspective and judgment are balanced. Guest Tamara Kurz Author, Founder & Insurance Broker Host Eduardo D’Alma Partner, Wavestone

Digital Transformation in Practice: Rebuilding Art Insurance

What does digital transformation really look like in practice? Eduardo D’Alma speaks with Jean Gazançon, CEO of ARTE Generali, about how art insurance was fundamentally rebuilt over the past six years, under real economic constraints and in a domain where risks are unique, values are hard to standardise and trust is critical. This conversation goes beyond technology as a tool. It focuses on judgment, expertise and culture, and on how digital capabilities can support specialists instead of replacing them, especially in a niche where saying no to risk is as important as underwriting it. What you will hear in this episode • How ARTE Generali rebuilt its art insurance business from the ground up • Why judgment matters more than models when risks are unique • How technology and layered architectures support both speed and quality • Why transformation only works under real timelines and economic pressure • How AI can act as an assistant to experts rather than a replacement • Why trust, culture and craftsmanship remain central in specialty insurance • What it takes to scale a niche insurance business without losing depth Key theme Digital transformation creates value when it reinforces expertise, judgment and trust — not when it tries to replace them. Guest Jean Gazançon CEO, ARTE Generali Host Eduardo D’Alma Partner, Wavestone

Rowing Across Limits: Risk, Resilience & Insurance at the Edge of the World

What happens when there is no safety net Eduardo D’Alma speaks with Julen Sánchez, who crossed the Atlantic Ocean alone and by human power only. 9,200 kilometres over 131 days at sea. They talk about what it takes to prepare for uncertainty when outcomes cannot be predicted, how discipline and mental resilience are built long before things get difficult, and what extreme environments reveal about responsibility, endurance and focus on process rather than results. The conversation goes beyond the expedition itself. It explores how decisions are made under pressure, how people cope when control is limited, and why preparation often becomes the only reliable anchor in uncertain conditions. What you will hear in this episode • How Julen prepared for an expedition where failure had real consequences • What living without a safety net does to decision-making and focus • How preparation, discipline and repetition shape resilience over time • How to stay committed to the process when progress stalls • What extreme uncertainty reveals about responsibility and performance • Why mental resilience is built long before it is tested • What can be learned from environments where control is limited Key theme When uncertainty becomes real, outcomes cannot be guaranteed. What remains is preparation, discipline and the ability to stay focused on what can still be influenced. Guest Julen Sánchez Extreme Athlete Sports Psychologist Author & Speaker Host Eduardo D’Alma Partner, Wavestone Further links & references Julen Sánchez – Zero‑Emission Adventures (Website) https://zerow-emission.org [https://zerow-emission.org] Podcast appearance: Helden der Meere https://open.spotify.com/episode/7n5njkOWvbA1mreXnfYKn2?si=_G1GmneOQJiUZiHSHG5rdw [https://open.spotify.com/episode/7n5njkOWvbA1mreXnfYKn2?si=_G1GmneOQJiUZiHSHG5rdw] RTL feature on Julen Sánchez (YouTube) https://www.youtube.com/watch?v=pRVc7F7zMa0 [https://www.youtube.com/watch?v=pRVc7F7zMa0]

Inside Allianz. How 160,000 People Are Learning and Applying AI at Work

What happens to insurance work when AI becomes part of everyday business Eduardo D’Alma speaks with Bettina Dietsche and Isabelle Kokoschka from Allianz about how AI is changing work across a large organization and what it takes to make that change work in practice. This conversation goes beyond tools. It focuses on culture, leadership, skills and trust and on the shift from learning AI to applying AI in real workflows. What you will hear in this episode • How teams currently experience AI in everyday work across Allianz • Why trust, fear and culture shape adoption as much as technology • Why Allianz is shifting from learning AI to applying AI in practice • Why leaders need to model the change themselves • How roles are changing across claims, actuarial work, HR and recruiting • How AI can reduce routine processing and create more room for judgment and empathy • What it takes to build skills and trust at scale across 160,000 people Key theme AI can support processing and analysis. Human work becomes more valuable where judgment, empathy, communication and decision quality matter most. Guests Bettina Dietsche Group Chief People and Culture Officer at Allianz Isabelle Kokoschka Global Head of Learning and Skills Management at Allianz Host Eduardo D’Alma Partner, Wavestone