Editorials

Low-cost is dead, long live ultra low-cost
July 2015
With prices defying all competition, ultra low-cost could well overshadow the low-cost business model from which it has drawn inspiration. Towards which of these two schemes the insurance industry is required to get closer depends on the location, the class of business and the opportunities.
The digital revolution
June 2015
Welcome to data-scientists, cloud engineers, e-merchandisers and other web analysts. Farewell to underwriters, general agents, claims officers, risk managers. Insurance is getting reshaped. The digital revolution that began in the 2000s is speeding up.
The digital era, the embodiment of a ruthless economy
May 2015
The spread of new technologies in the economy for over twenty years has sent shockwaves of which insurers have so far been more or less spared.
Women and the rush to insurance
April 2015
Slowly but surely, women are asserting their rights, gaining positions that were traditionally occupied by men. As a result of an ongoing struggle, the conquest of the labor market by women has challenged the very foundation of the patriarchal model that separates the private sphere reserved for women from the public sphere monopolized by men.
Digital risks, a new challenge for insurers
March 2015
Insurers are accustomed to coping with both order and disorder: terrorism, financial crisis, natural catastrophe,... They feed so much on risk that they end up, except for special cases, quantifying, modeling, underwriting and managing.
2015: the necessary regulation
February 2015
With a hindsight, the year 2014 has been rather mild on the overall market. Except for the aviation and Ebola disasters, very few major events are worth mentioning. While the return of the “business-as-usual” scenario is starting to play out among insurers at the beginning of 2015, the fear of a financial catastrophe is haunting the regulators.
The year 2014: upsides and downsides
January 2015
The calendar year has ended with its traditional assessment and loads of good wishes. As usual, the news has rushed in from all sides combining satisfaction and fear, good and bad surprises. The accounts’ annual closure is not synonymous with truce.
Reinsurance, an ever changing market
December 2014
In an article published in late November 2014, the rating agency Fitch announced an expected concentration trend from which major reinsurers could benefit. After the waves of mergers and acquisitions witnessed in the 80s and 90s, the market seems to be ripe for other transactions. The business environment lends itself to such a scenario.
The Afro-optimism
November 2014
The never-ending development of turnover is the harsh reality that the insurance business is faced with. Producing more is the number one objective of insurers, who are, therefore, bound to mobility and to the constant search for both internal and external growth.
Reinsurance, an indestructible market
October 2014
Nothing seems to shake reinsurance. Neither the September 11 attacks, nor cyclones, nor tsunamis and earthquakes, nor nuclear catastrophes like Chernobyl or Fukushima, nor the economic and financial crises of recent years, stand in the way of an activity which is resisting well.
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