
Electronic Chat with Jeroen Morrenhof
Bill Sinn | January 10, 2019
Name: Jeroen Morrenhof
Title: Co-Founder and CEO
Company: FRISS
Years in the insurance business:
In 1995 (23 years ago) I did my first consulting assignment at a health insurer. I have worked in the industry ever since.
Provide a little background on yourself:
I grew up in an entrepreneurial family. My parents and my granddad have run small businesses in bikes, later motorbikes and finally cars (Toyota and Lexus). A family business is never far away so I grew up with this same spirit. Since I don’t fancy cars and always loved to solve complex puzzles using a computer I started studying computer science in the late 80’s. After graduating I added a master’s in business administration, combining business and tech in my working life ever since. That study also brought me to Amsterdam where I lived until recently when I moved with my family to Chicago to open the North American office of FRISS.
Why did you create FRISS? What was your vision?
I was consulting for insurance companies and saw how much fraud was going on. When I would ask, they would tell me it was simply a cost of doing business. I believed that insurance should be an honest industry, and it was frustrating to me that honest people had to pay more because others were cheating the system. The combination of meeting likeminded people and my background (computer science and MBA) led to the founding of FRISS.
What makes FRISS different than other fraud detection companies?
The system is AI powered and uses state-of-the art technology. Looking at what sets us apart from competition, we combine the technology with actual insurance experience. Many other fraud detection companies are really data analytics or tech companies, and their solutions are decent. But the staff at FRISS has over 1,000 years of combined insurance knowledge meaning we understand the challenges insurance carriers have to overcome. The people overseeing our product development have worked in and for insurance companies. They’ve done special investigations, handled claims, underwritten commercial policies and much more… they understand what’s important and they bridge that with the most talented data scientists and tech people you can find. We packaged this combined experience and insight in a comprehensive solution to insurers in a way that can be leveraged in the day-to-day workflow of a carrier.
You use the phrase “Supporting Honest Insurance.” What does that mean?
The very foundation of insurance is all about assessing risk. When I drive my car, I am taking a risk that I can get into an accident, and my insurance will cover that. There’s a chance nothing will happen, and so my premium dollars support the risk of others as well. If I really got into an accident, I’d need my insurance to pay for the damage – and that’s the honest, proper way to use insurance. Unfortunately, a small number of people are willingly abusing the trust insurer put in them. As a result, the price of insurance for the customer is far higher than it should be. So, by helping eliminate fraud, we are helping insurance become more honest, making if more affordable and accessible. It benefits both the insurance companies and their customers.
What is your passion outside of FRISS?
We can start with the obvious – I’m Dutch, so of course I enjoy cycling! Even in Chicago when it’s very cold, I still bike to the train station every day and take my race bike out along Lake Michigan. For a while I have been planning to do a Triathlon, and my new year’s resolution for 2019 is to finish one (a quarter to start with). Please keep me to it at the end of this year! And I love travelling. Part of the fun moving to the USA is that we get to explore another part of this beautiful planet. We started by visiting Detroit, Toronto and Alaska over Christmas, for instance.
You recently relocated to the States. Why? And what have you discovered in your short time here?
Our company has been very successful in Europe over the past 12 years. From there, we grew to over 150 implementations in more than 30 countries. Our brand got recognized and momentum grew, including in North America. Until 2018 we always said “No” to request from this region as we wanted to do it right the first time. With the investment of Aquiline and Blackfin we got the financial backing to do it right. And right also means that founder DNA is needed to show we are serious and learn as quickly as possible with a tight connection between the continents.
When we started talking with carriers in the US they were very interested in our product, and it became clear we needed to have a big presence here. My family and I are enjoying living in the states. It’s been a big adjustment, but my wife and kids are taking it really, really well.
The best thing we’ve discovered so far is that…
When it comes to digitalization, insurance carriers are working hard to bridge the technology gap with Europe. They acknowledge that modernization is key to keep up with the increased expectations and provide excellent customer service. Therefore, most carriers are modernizing their systems, and with many of these core vendors we have built seamlessly integrated solutions.
What we have seen in Europe that insurers underestimated the changing behavior of customers. In a more and more digital process the (sometimes underestimated) value of the filter provided by the agent is gone. This asks for more automated and real-time controls in underwriting and claims. Our fraud and risk assessment analytics help insurers get ahead of the game and build and maintain a profitable book of business.
What are the top challenges that you are trying to address at your company today – and in the near future?
Currently we are figuring out how to best manage a global company. We have customers in 30+ countries, offices in 4 different countries on 3 different continents and employ 150+ talented people of 35+ different nationalities. I believe we did a good job in making sure we are all working towards the same “Big Hairy Audacious Goal.” With all these different backgrounds and locations running the company as a well-oiled machine is a challenge. When you have nailed this please reach out to me over LinkedIn.
What do you think of the InsurTech revolution? Is it having a big impact on the insurance industry?
Absolutely. The insurance industry is not necessarily a frontrunner when it comes to adopting the latest technology. Over the past few years we’ve seen a big change, and the industry is starting to embrace InsureTech.
I often make the distinction between InsurTechs that compete and those that partner. The first group offers insurance coverage to the market typically for a very specific niche where they cherry pick an underserved market. These providers shake up the market but gain little market share, for now. However, they make carriers realize that they need to adapt and innovate quicker to compete with them. Eventually I believe many of them will get acquired by insurers that are not able to act quick enough.
The other group is a larger group of InsurTech companies that offer technology that outperforms the current capabilities for a specific function. Together with the increased easiness to integrate these solutions through API’s I see more and more carriers partner with this group of tech companies. And it makes sense, because suddenly you have these solutions that help with major problems. They tend to be rather inexpensive and easy to implement, and they help carriers save millions if not billions each year. They also improve the customer experience, which is very important given the increasing competition in the market.
And the partnering doesn’t stop at the carries, the same goes for the suppliers of policy and claim solutions where many of them adopt the platform strategy to become the core solution of choice.
If you could change one thing in the insurance world today, what would it be?
Obviously, I’m on an expedition to make insurance more honest, and it’s the whole reason I started FRISS. So, if I could only change one thing, it would be completely eliminating fraud and making the relationship between insurer and insured again based on trust.
Do you have any words of advice for today’s technology leaders?
Building and growing a tech company is one of the coolest jobs I’ve ever had. And it is also a somewhat lonely job. I would love for tech leaders to get together more often to share learnings, mistakes and experiences. I always try to connect to peers but in the heat of the moment customers and the company take a lot of my time. Every time I find time to reflect, talk to peers, etc. I notice there is so much I can learn from others. And I am sure I am not the only one. My advice to tech leaders (and to myself) is to prioritize that time.
This is one of the reasons we are in offices with like-minded entrepreneurs like Creative Valley (https://www.creativevalley.nl/papendorp) in The Netherlands and Catapult (www.catapultchicago.com) in Chicago.
Featured articles
- Your Insurtech Investment: Making the Most of the Software You Already Have
- Electronic Chat with Sanjeev Kumar Chaudhry, Founder and CEO, Gigaforce
- Electronic Chat with Sylvester Mathis, Chief Insurance Officer, Insurity
- Inside the ITA: Meet the Board
- Digital Drip: New Lease on Life
- Transformation Corner: Core System Transformation
- Big Fix: Closing the Data Divide
- Tech, Processes, and a Plan
- Core Systems: Out with the Old?
- 5 Things to Consider When Modernizing a Surety System
- Four Benefits of Integrating Mobile Crash Detection and Accident Management
- Everybody Loves Gelato
- Electronic Chat with Jennifer Smith, VP of L&A Product Strategy, Sapiens North America
- Now Accepting Nominations for "Pick of the Litter" Issue
- “New Normal” Requires an Insurance Analytics Evolution
- Accuracy: Are Data Providers Pulling the Wool Over Your Eyes?
- Agents Send More Business to Insurers with Better Tech, Celent Finds
- Electronic Chat with B2Z Insurance
- Still Standing, Still Learning, and Still at Home
- ITA Pro Magazine, May/June 2021
- Electronic Chat with Chris Ewing, Founder and CEO, One Inc
- Electronic Chat with Sharmila Ray, Head of Carrier Strategy, Solutions and Go-To-Market, Vertafore
- Electronic Chat with Alex Devoto, Founder, LVLFi
- Prince Charles, Lloyd's Launch Sustainability Insurance Task Force
- UFCIC Becomes First U.S. Insurer to Accept Cryptocurrency for Premium Payments
- Electronic Chat with Ty Harris, Co-Founder, Openly Insurance
- The Insurance Industry’s Reliance on Friction: A Good Strategy?
- Loss Control, Premium Audit Systems Critical to Customer Experience, Celent Finds
- What's AI-Right and AI-Wrong?
- The Drive for Digital
- Electronic Chat with Candice Smith, Founder and CEO, Caregiven
- Electronic Chat with Nestor Hugo Solari, Founder/CEO, Sigo
- The Giant Hole in Actuarial Models
- Electronic Chat with Trent Cooksley, COO and Co-Founder, Cowbell Cyber
- The ITA Pro March/April 2021 issue is here!
- Purchasing and Innovation: Friends or Enemies?
- COVID Drives More Reliance on Risk Management Systems, New Study Finds
- Electronic Chat with Robert Clark, CEO, Cloverleaf Analytics
- Solving Customer Communications Challenges with Hybrid Mail
- Six Trends Shaping Digital Insurance Tech Strategies in 2021
- Billing a Key Component of Customer Service, Celent Finds
- Why Data Science Fails
- Electronic Chat with Andrew Jernigan, CEO, and Allen Koski, President and Chief Innovation Officer, Insured Nomads
- Electronic Chat with Allison Martin, CEO and Founder, UDoTest
- Are Carriers Ready for the Coming Crash?
- Electronic Chat with Christopher Moore, Director for North American Sales Engineering and Solutions, Trifacta
- Next Insurance Partners with Amazon Business Prime to Provide Small Businesses with Affordable Digital Insurance Options
- An AI Walks Into an Electronics Store...
- InsurTech NY Announces Global Early-Stage Competition Winners
- World’s Worst County/Western Insurtech Song
- Electronic Chat with Anne-Laure Klein, COO, Akur8
- COVID-19 One Year Later: The Digital Transformation of Insurance
- Electronic Chat with Michael Kassing, CEO/CVO, insured.io
- BrokerTech Ventures Announces 2021 Cohort Class for Accelerator
- An Entirely Preventable Disaster
- Flipping the Fraud Triangle
- The January/February ITA Pro Magazine is here!
- Credit Risk, ESG, Cybersecurity Top Risk Concerns for Financial Institutions, Deloitte Finds
- Electronic Chat with Ellen Moser, Senior Client Executive, Origami Risk LLC
- The Answer to “So What?”
- Leaders Rise from a Year Like No Other!
- Electronic Chat with Jonathan Roomer, Co-Founder, YuLife
- Getting Creative to Hit COVID Curveballs Out of the Park
- Electronic Chat with Eugenio Gonzalez, Plug and Play
- New Report Projects Global Insurtech to Grow by $21 Billion During 2020-2024
- The 2020 Virtual Event Wasteland
- Insurtechs, Investors Optimistic About Post-COVID Future, New DIA/McKinsey Study Finds
- Finding Grandmas
- No Code / Low Code: The New “Shortest Route” In Insurance Delivery
- Are You Addicted to Copy-and-Paste?
- Electronic Chat with Nino Tarantino, CEO- Americas, Insurance and Mobility Solutions (IMS)
- Driving Life Insurance:Tech Alone Won’t Solve Business Problems
- Electronic Chat with Robin Roberson, Managing Director, North America, Claim Central Consolidated
- How Do You Make It Happen?
- Electronic Chat with Jason Liu, CEO, Zywave
- New Partnership Models Take Program Business to the Next Level
- New Study Finds Less than Half of Consumers Trust Insurers to Respond to Their Needs
- Electronic Chat with Andrew Mauritzen, CFO and Head of Insurance Industry, Exactuals
- You Want Us To Do WHAT For Free?
- Electronic Chat with Evgeny Aleksandrov, Co-founder and CEO, Pilotbird
- Electronic Chat with Chris Cheatham, CEO, RiskGenius
- New MIT Sloan Study Finds Few Companies Gain Big Benefits from AI
- The September/October ITA Pro magazine is here!
- “Being Right” is Just the Start of the Battle
- Electronic Chat with Amit Ranjan, Executive VP and CAO, Xceedance
- Planning for Your Business and Tech Future: Strategies, Plans and Budgets for Rapid Transformation
- Electronic Chat with Jimmy Padia, Founder and CEO, Floatbot
- Gelato with Dots and Sprinkles
- COVID-19 and the Insurtech “Junk Drawer”
- Even “Change” is Different Now. Your Strategic Planning Needs to Be Too.
- The Road Ahead for P&C Insurers: How to Understand Customers Better and Navigate the Post-COVID Insurance Market
- Electronic Chat with Jake Tamarkin, Co-founder and CEO, Everyday Life
- Strategic Planning in the “New Normal” Digital Era of Insurance – Your Next Move
- Insurer Tech Investment Priorities See Major Shift in a Post-COVID World
- Plug and Play Selects 25 Insurtech Startups for Winter Batches
- Digital Transformation – A Top Strategic Priority and New Reality
- Four Steps to Successful Migration of Insurance CCM Applications
- COVID-19 Accelerates Insurance Digitalization to Meet Customer Demand: World InsurTech Report 2020
- Electronic Chat with Greg Williams, Co-Founder, President & CEO, Acrisure
- Electronic Chat with Matt Perlman, Partner, IA Capital Group
- Insurer Digitalization: Are you a Competitor or a Laggard?
- Leaders are Leading and Creating the Future of Insurance Distribution
- 3 Things You Need to Know About No-Code
- Electronic Chat with Adam Kiefer, CEO, Talage
- Underwriting in 3D: Using Data to Adapt and Improve Life Insurance Sales
- Getting Past the "Gelato Syndrome"
- Insurers Know CX/UX is Important, but Don't Agree on Execution, Study Finds
- Electronic Chat with Steve Lekas, Branch Insurance
- How AI Can Attract Millennial Talent to the Insurance Industry
- Preventing Data Breaches
- A New Boom for Life Insurance: Shifting Away from the 250-Year-Old Policy Transaction
- Electronic Chat with Ty Harris, Founder and CEO, Openly
- A Digital Wildfire Creates a Burning Platform for Digital Insurance Business Transformation
- Digitalization, COVID-19 Spurring More IT Investment in Cybersecurity
- Electronic Chat with Michael DeGusta, CEO, ClarionDoor
- U.S. Consumers Significantly Underestimate Flood Risk, New Survey Finds
- The Future of Insurance: Opportunities in Ecosystems
- Electronic Chat with Todd Greenbaum, CEO, Input 1
- Majesco to be Acquired by Thoma Bravo
- The Evolving Role of Managing General Agencies
- Electronic Chat with Char Hu
- Electronic Chat with Allan L. Egbert, Jr.
- Electronic Chat with Christopher Tramontano and Zbigniew Gawienczuk
- Data Science is Gelato
- Insurance Innovation: Alive and Kicking
- Independent Agents Divided on Digital Experience, New Survey Finds
- Electronic Chat with Michael Jones
- Electronic Chat with Paul VanderMarck
- As Auto Insurance Premiums Shrink, Insurers Need Mobility Ecosystem, New Study Finds
- Property & Casualty Insurers Raise Digital Games as COVID-19 Elevates Customer Expectations, J.D. Power Finds
- Electronic Chat with Bobbie Shrivastav
- Meet the Board: Marissa Buckley
- Big Data and Insurtech: A Carrier Perspective
- Traditional Insurers Need Open Ecosystems, Partnerships to Remain Competitive, CapGemini Report Finds
- Electronic Chat with John C. Siegman
- 4 Ways AI is Empowering Insurers During COVID-19
- 6 Big Changes to Insurance from the COVID-19 Crisis
- Electronic Chat with Christopher Ewing
- Independent Agency Staff Morale High During COVID-19, New Survey Finds
- Electronic Chat with Brad Epker
- Tapping AI to Improve Policyholder Experience
- Electronic Chat with Manisha Bhargava
- ITA Pro Magazine, March/April 2020
- COVID-19 a Game Changer for Workers’ Comp
- Electronic Chat with Steve Comer
- COVID-19 Pandemic Forces Cancellation of ITA LIVE 2020
- Leveraging Digital Resources in the Time of COVID-19
- Electronic Chat with Robert Hartwig on COVID-19 and Insurance
- Celent Study: Most Small Businesses Still Unclear on Importance of Cyber Insurance
- The January/February 2020 ITA Pro is here!
- Deloitte: New C-Suite Roles Mean More Opportunities for Women
- Electronic Chat with Pankaj Parashar
- Electronic Chat with Tara Kelly
- Electronic Chat with Chuck Wilson
- ITA, InsNerds Collaborate to Enhance ITA LIVE 2020 Content and Coverage
- How SMBs Can Compete in Digital Ecosystems in the 2020s
- 4 Ways Insurance Can Prepare for New Data Privacy Laws
- Brewer Lane Ventures Launches and Hires Insurtech Vet Martha Notaras as Managing Partner
- 2020 GIA Cohort Launches on January 14
- The November/December 2019 ITA Pro is here!
- Electronic Chat with Joshua Snead
- Electronic Chat with Wendy Aarons-Corman
- Simplifying the Move to a Third-party Print Provider
- Take a Business-Driven Approach to Continuous Improvement for Core Systems and Processes
- Electronic Chat with Ron Glozman
- Guidewire’s Data Guru Mike Byam on How Insurers are Using Internal and Third-Party Data
- Electronic Chat with Russ Bostick
- Electronic Chat with Rock Schindler
- Electronic Chat with John Siegman
- Electronic Chat with Martin Burlingame
- Insurtech Landscape 2019: Top 5 Takeaways
- Grinnell Mutual Tackles Massive Transformation -- in Stride
- A Candid Conversation with Paul Mang
- SageSure Insurance Managers Improved Competitiveness by Consolidating Payments to a Single Digital Platform
- Digital Does Matter in Insurance-- And Insurers are Missing the Mark
- The 22nd-Century Insurer: Taking a Cloud-First IT Approach
- The September/October 2019 issue of ITA PRO magazine is now available in digital format here:
- ITA Pro Magazine May/June 2019
- Spotlight on the 2019 IASA Conference
- ValueMomentum Selects Erie as Site of Regional Development Center
- Capgemini and Majesco Become Alliance Partners
- Electronic Chat with Dr. Dan Shoham
- Electronic Chat with Todd Greenbaum
- Martha Notaras: The “Outsider” with an Amazing Inside View
- Electronic Chat with Larissa Tosch
- Martha Notaras Will Join ITA LIVE 2019 as a Keynote Speaker
- Five Things to Consider When Evaluating Your Cyber Risk
- ITA Pro Magazine, January/February 2019
- Synergy Between Insurers' IT and Analytics Teams Key to Operationalizing Insights, Says Novarica
- Major Ransomware Attack Could Hit U.S. with $89B In Economic Damages
- ITA Announces 1st of Three Keynote Speakers at ITA LIVE 2019
- Electronic Chat with Jeroen Morrenhof
- Legacy Systems Are Dead. Really? Don't Count On It.
- Now Accepting Nominations for the 2019 ITA Bridge Awards
- It's time to register for ITA LIVE!
- Registration is Now Open for ITA LIVE 2019!
- What to Expect from a Digital Experience Platform Implementation
- ITA Pro Magazine September Edition is Now Available
- It's National IT Professionals Day
- Save the Date for ITA-LIVE 2019
- OneShield Software and UrbanStat Work Together to Improve Real-Time Analytics and Risk Decision-Making
- ITA LIVE 2019 - SAVE THE DATE!
- Insurance Technology Association Announces New Editor-in-Chief
- August 2018 Edition ITA Pro Magazine is Now Available
- Enterprise Architecture in an Agile World
- Top 10 Tips for Securing Your Mobile Devices and Sensitive Client Data
- Industry Insight: 4 Global Insurance Trends in Digital, Data, Content Services and Security
- Diving Deeper into Prioritizing Your Strategic Digital investments
- Why Content Rules
- How Mass Personalization Will Open the Small Business Benefits Market
- At Year End 2017, Will Your Organization Be Protected from Cyber Risks?
- Do Insurance Bots Dream of Mitigating Risk?
- Conditioned to Respond
- Managing & Mobilizing Insurance Data in a Connected World
- Race to the Finish Line
- New Tools, New Opportunities in Claims
- ITA LIVE: Reaching Insurance Industry Crossroads
- Advice to Insurance IT Leaders: Keep Your Eye on the Ball
- New Date, Venue for ITA LIVE 2017
- Guidewire Makes Major Push to Small and Midtier Market by Acquiring ISCS
- Insurance Disruption is Happening Right Now
- Insurity Adds Strategic Investment Partner, General Atlantic
- Beyond Transformation: The Convergence of Finance, Risk, and Actuarial Functions
- The Rapid Evolution of Consumer Protection Regulation
- Talent Hunt: Finding, Attracting, Retaining Top People
- Insurers Flexing Their Distribution Models
- Technology Driving Disruption in Insurance
- Fear of ‘Next Bubble’ Challenges Life, Annuity Carriers
- Technology Allows Commercial Lines Insurers to Stand Out
- Single Sign-on Viewed as Biggest Tech Challenge for Agencies
- ISCS Observes 20th Anniversary; Scurto Predicts Major Changes Ahead
- Policyholders and Their First Impressions
- Progressive Making Progress on the UBI Front
- High and Dry: Insurers Search for Disaster Recovery Plans
- Insurers Sign The (Un)Dotted Line
- Reflections of a Retired Insurance CIO
- Mobile Device Management Just One Answer to BYOD Issue
- Lessons from GEICO and Progressive on Winning the Critical Buying Stage
- You Are a Target for a Cyber Attack
- Web-based Systems are the Next Evolution in Claims Technology
- Gaining a “Wow” Experience from Web Users
- Time to Shift from Business/IT Alignment to Business/IT Alliance
- Healthcare Insurers Changing to Consumer Model
- Organization is the Key for Selecting Software Vendors
- Analysts Expound on the Needs of the Mid-tier Insurance Market
- Finding the Cure for Obamacare’s Website
- New Software Solutions Benefit Insurers on the Inside and Outside
- Products, Market Impede Investment in Systems for Life Insurers
- Combatting Cyber Threats: Predict, Prevent, Persist
- The Future of Telematics Heads Beyond Insurance
- The Shame in Cyber Security Lapses
- Building Policy Administration Systems for the Future
- Insurers Look Into The Eyes of Their Policyholders
- It’s a New Dawn for the ITA
INSURANCE IT NEWS
- Arturo Hires New General Counsel
- Zurich NA Adds Chisel AI for Underwriting
- Insurity Acquires AuSuM Systems
- Method Insurance to Streamline Underwriting with Origami Risk
- BrokerTech Ventures Launches BTV LATAM Partnership, Adds UNICO Group as Broker Partner
- Roost Rolls Out White-Label Home Security Solution
- Norway’s Gjensidige Pensjonsforsikring Selects Sapiens Digital Solution
- Insurium Names Insurtech Veteran Jeremy Williams CEO
ELECTRONIC CHAT
The Email Chat is a regular feature of the ITA Pro magazine and website. We send a series of questions to an insurance IT leader in search of thought-provoking responses on important issues facing the insurance industry.
-
The SaaS-based Gigaforce platform connects parties within the claims/subrogation/collection/legal ecosystem using DLT/blockchain... READ MORE
ITA LIVE 2020
ITA LIVE 2020 –SAVE THE DATE!
April 5th – 7th, 2020
The Diplomat Resort
Hollywood, FL
Become a member today to receive updates – www.itapro.org/MR
BLOGS AND COLUMNS
-
Digital Drip: New Lease on Life
Robert Hunter
How the COVID pandemic has shaped the life insurance industry... READ MORE
-
Transformation Corner: Core System Transformation
Karen Furtado
Inside the evolving world of core systems for P&C insurers post-pandemic... READ MORE
only online
-
Down Market Opportunities Beckon Benefits Insurers
You have surely heard it said that small businesses are the growth engine for America. Today, the phrase has a special ring to it for benefits... READ MORE
-
Technology at the Heart of Change in Insurance
With stagnant growth and lingering low interest rates, the life insurance industry faces a challenging future... READ MORE
-
Got Policies? IVANS Service Helps Feed Commercial Lines Producers
Finding insurance carriers willing to write commercial lines risks has always been a challenge for producers... READ MORE
-
Technology Changes Coming Faster than Ever for Insurers
As Guidewire Software prepares for the start of Connections, its 11th annual user conference that begins on Nov. 2, Brian Desmond, chief marketing... READ MORE
Vendor Views
-
5 Things to Consider When Modernizing a Surety System
Successful implementation requires balancing operational and emotional issues... READ MORE
- Vendor Views
Partner News
-
Big Data and Insurtech: A Carrier Perspective
Insurance has always relied on large volumes of data to gauge customer behavior and more. But as big data has gotten bigger, insurtech has empowered... READ MORE
- Partner News