{"id":63581,"date":"2026-01-29T15:32:28","date_gmt":"2026-01-29T15:32:28","guid":{"rendered":"https:\/\/www.elixirr.com\/en-us\/?p=63581"},"modified":"2026-02-03T08:34:28","modified_gmt":"2026-02-03T08:34:28","slug":"insurers-relevance-reset","status":"publish","type":"post","link":"https:\/\/www.elixirr.com\/en-us\/insurers-relevance-reset\/","title":{"rendered":"Insurer&#8217;s relevance reset"},"content":{"rendered":"<section\n    class=\"wp-block-text-block edwp-block layout--spacing-y bg--none\"\n    >\n    <div class=\"wp-block-text-block__container container fade-in\">\n        <div class=\"wp-block-text-block__content wysiwyg\">\n            <h1><span class=\"NormalTextRun CommentStart SCXW20317755 BCX0\">What the latest technology developments mean for unlocking deeper\u00a0<\/span><span class=\"NormalTextRun SCXW20317755 BCX0\">prevention-based<\/span><span class=\"NormalTextRun SCXW20317755 BCX0\">\u00a0customer relationships<\/span><\/h1>\n<p><span data-contrast=\"auto\">Most insurance models are still built around infrequent, high-severity events. That made sense when data was\u00a0scarce\u00a0and intervention\u00a0wasn\u2019t\u00a0possible.\u00a0Today, it leaves us with a product that feels distant from daily life, something you buy but hope\u00a0you\u2019ll\u00a0never use.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Relevance\u00a0isn\u2019t\u00a0earned through rare moments of crisis.\u00a0It\u2019s\u00a0built through small,\u00a0timely\u00a0interventions that prevent or reduce everyday loss. Most of what \u2018goes wrong\u2019 in people\u2019s\u00a0lives\u00a0isn\u2019t\u00a0catastrophic,\u00a0it\u2019s\u00a0the daily disruptions\u00a0we\u2019ve\u00a0never thought to insure against.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Becoming more relevant\u00a0doesn\u2019t\u00a0mean forcing constant engagement. Few customers want to hear from their insurer every week. It means using natural, frequent touchpoints to add genuine value through\u00a0timely, helpful services.\u00a0We\u2019ve\u00a0talked about this shift for years, but now, technology finally makes it both practical and profitable.\u00a0Consequently, customers increasingly want it.\u00a0<\/span><a href=\"https:\/\/www.guidewire.com\/about\/press-center\/press-releases\/20250514\/more-uncertain-times-driving-positive-vibe-for-insurance\"><span data-contrast=\"none\">A 2025 survey found\u00a070% want proactive services,<\/span><\/a><span data-contrast=\"auto\">\u00a0not just post-loss cover.\u00a0<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><b><span data-contrast=\"auto\">What is\u00a0missing?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">The tools to move from reactive coverage to proactive engagement already exist, IoT sensors, wearable health tech,\u00a0behavioral\u00a0analytics, embedded insurance platforms.\u00a0The capability is there to make prevention and\u00a0protection\u00a0the core of the product given the extent of hyper-personalization\u00a0that LLMs are enabling.\u00a0\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Currently, insurers often turn up too late.\u00a0However,\u00a0prevention\u00a0isn\u2019t\u00a0a wellness\u00a0tagline,\u00a0it\u2019s\u00a0how insurance becomes relevant in the daily lives of customers and businesses alike. Whether\u00a0you\u2019re\u00a0an individual or a company, the real value\u00a0isn\u2019t\u00a0in being compensated after\u00a0loss,\u00a0it\u2019s\u00a0in avoiding loss and disruption altogether.\u00a0\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This matters across both personal and commercial lines.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">For individuals: stopping a leak before it ruins your home, getting a nudge before\u00a0your\u00a0driving causes an accident, catching a health issue early.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">For businesses: preventing the disruptions that quietly drain time,\u00a0revenue\u00a0and trust,\u00a0from cyber threats to delayed shipments or staff downtime.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Insurers must stop waiting to be\u00a0useful, and\u00a0start embedding value into the everyday.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><b><span data-contrast=\"auto\">The basics have already been in place for years&#8230;<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Motor:\u00a0<\/span><a href=\"https:\/\/www.joinroot.com\/car-insurance\/telematics\/\"><span data-contrast=\"none\">Root Insurance uses real-time driving data to set\u00a0personalized\u00a0premiums and send feedback to drivers,<\/span><\/a><span data-contrast=\"auto\">\u00a0reducing risky\u00a0behaviors\u00a0before they result in claims.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Home:\u00a0<\/span><a href=\"https:\/\/leakbot.io\/resources\/whitepaper\/#:~:text=Transformational%20Results,the%20device%20to%20home%20WiFi\"><span data-contrast=\"none\">Aviva\u2019s partnership with\u00a0LeakBot\u00a0shows that smart leak detection can reduce claims costs by up to 70%.<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Cyber:\u00a0<\/span><a href=\"https:\/\/leakbot.io\/resources\/whitepaper\/#:~:text=Transformational%20Results,the%20device%20to%20home%20WiFi\"><span data-contrast=\"none\">Coalition\u2019s Active Cyber Insurance proactively alerts SMEs to threats before breaches occur,<\/span><\/a><span data-contrast=\"auto\">\u00a0transforming the insurer into a\u00a0true\u00a0security partner.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Parametric:\u00a0<\/span><a href=\"https:\/\/climate.axa\/\"><span data-contrast=\"none\">AXA Climate\u2019s products now use automated weather-based triggers with immediate digital support<\/span><\/a><span data-contrast=\"auto\">, helping policyholders mitigate knock-on impacts like business interruption or crop damage.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Health:\u00a0<\/span><a href=\"https:\/\/yulife.com\/insurance\/group-life-insurance\"><span data-contrast=\"none\">YuLife turns life insurance into a daily engagement platform, rewarding walking, meditation and sleep with tangible perks.<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/uk\/news\/life-insurance\/vitality-claims-it-can-boost-life-expectancy-by-five-years-519245.aspx#:~:text=The%20study%20also%20highlighted%20that,years%20and%202%20years%2C%20respectively\"><span data-contrast=\"none\">Vitality reports that members who increase activity to five days a week can add up to five years to life expectancy,<\/span><\/a><span data-contrast=\"auto\">\u00a0proving\u00a0that daily nudges drive meaningful outcomes.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">These\u00a0aren\u2019t\u00a0perks.\u00a0They\u2019re\u00a0engagement models, ones that show up often, not just when things go wrong.\u00a0Now, LLMs and agentic models let us move beyond rules-based triggers to deliver truly\u00a0personalized\u00a0prevention suggestions that improve with every interaction,\u00a0enabling\u00a0us to shift the model.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><b><span data-contrast=\"auto\">How prevention shifts the model<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<ol>\n<li><span data-contrast=\"auto\">Underwriting becomes continuous, adjusting based on\u00a0behavior,\u00a0not fixed annually.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Pricing becomes\u00a0personalized, informed by live risk signals rather than historical averages.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Engagement becomes habitual, with users checking in more often, not just at renewal.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Trust is earned through advising customers, not just insuring them,\u00a0through visible, proactive support.<\/span><br \/>\n<span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ol>\n<h3 aria-level=\"2\"><b><span data-contrast=\"auto\">What insurers need to do<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<ol>\n<li><span data-contrast=\"auto\">Design with frequency in mind.\u00a0Advances in LLMs make\u00a0personalized\u00a0prevention possible, so relevance becomes the metric for success.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Embed in ecosystems. Partner with OEMs, health apps, workplace platforms, SME\u00a0software\u00a0and IoT providers.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Turn triggers into touchpoints. Use alerts like water leak detection or poor sleep as opportunities to educate,\u00a0guide\u00a0and reward.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Build prevention as a\u00a0business and\u00a0engagement\u00a0model, not just a cost reduction tactic.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Rethink the annual model. Explore usage-based, outcome-based\u00a0or tiered service pricing to align incentives with prevention advice that continuously learns and improves.<\/span><br \/>\n<span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ol>\n<h3 aria-level=\"2\"><b><span data-contrast=\"auto\">How prevention benefits insurers<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Focusing on prevention\u00a0isn\u2019t\u00a0just good\u00a0for\u00a0customers,\u00a0it strengthens the business model too. By reducing claim frequency, it lowers loss ratios and brings greater stability to underwriting results. It also enables more proactive risk management, helping to smooth capital exposure and reduce volatility from unexpected events.<\/span><\/p>\n<p><span data-contrast=\"auto\">On the growth side, prevention-led products open new markets, attract underinsured\u00a0segments\u00a0and help insurers differentiate beyond price. When customers feel supported in avoiding losses,\u00a0they\u2019re\u00a0more likely to renew,\u00a0improving retention and lifetime value.\u00a0\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In short:\u00a0prevention\u00a0doesn\u2019t\u00a0just reduce\u00a0cost;\u00a0it creates resilience\u00a0for both customers and insurers. It drives long-term profitability as well as relevance.<\/span><br \/>\n<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><b><span data-contrast=\"auto\">Conclusion<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">If insurance were re-invented today, would we design a product that activates only when something breaks, charging an annual premium for a service most people never use? Or would we build something that adapts in real time, warning us, guiding us, rewarding us?\u00a0\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Insurance\u00a0wouldn\u2019t\u00a0be a financial product. It would be a resilience service, subscription-based, data-powered\u00a0and woven into daily life. A living product, not a dormant one.<\/span><\/p>\n<p><span data-contrast=\"auto\">That vision stands in stark contrast to the legacy model built on rarity: the big, infrequent, actuarial event.\u00a0However, customers live in a world of constant disruption. They want less friction, fewer\u00a0surprises\u00a0and more peace of mind.\u00a0\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">That\u00a0won\u2019t\u00a0come from faster claims. It will come from never having to claim at all. The future of insurance\u00a0isn\u2019t\u00a0only protection when disaster strikes, but presence before things\u00a0go wrong. Insurers that lead on prevention\u00a0won\u2019t\u00a0just lower\u00a0costs,\u00a0they\u2019ll\u00a0increase relevance.<\/span><br \/>\n<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n<section\n    class=\"wp-block-call-to-action edwp-block js-wp-block-call-to-action layout--none bg--none\"\n    >\n    <div class=\"container\">\n        <div class=\"wp-block-call-to-action__content\">\n            <div class=\"edwp-component edwp-fade-in\">\n                                        <div class=\"wp-component-content__buttons\">\n            <a href=\"https:\/\/www.elixirr.com\/en-us\/industries\/insurance\/\" class=\"btn btn--secondary-orange\"><span>Our insurance expertise<\/span><\/a>        <\/div>\n        <\/div>        <\/div>\n\n            <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":63697,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[104],"related_service":[],"related_industry":[60],"class_list":["post-63581","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Insurer&#039;s relevance reset - Elixirr - USA<\/title>\n<meta name=\"description\" content=\"Most insurance models are still built around infrequent, high-severity events. 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               <p class=\"wp-component-card__eyebrow\">\n                Articles            <\/p>\n                <a href='https:\/\/www.elixirr.com\/en-us\/insurers-relevance-reset\/' class='wp-component-card__title'>\n            <h2>\n                Insurer&#8217;s relevance reset\n            <\/h2>\n        <\/a>                                                            <div class=\"wp-component-card__meta\">\n                                            <p class=\"wp-component-card__date\">\n                            29 January 2026                        <\/p>\n                                                                <div class=\"wp-component-card__terms\">\n                                                                                                                                                    <div class=\"wp-component-tags edwp-component\">\n                        <div class=\"wp-component-tags__tag\">\n                Insurance            <\/div>\n                <\/div>\n                        <\/div>\n                                    <\/div>\n                                                    <div class=\"wp-component-card__button-wrapper\">\n                    <button class=\"btn btn--link arrow wp-component-card__button\">\n                                                                            Read more                                                                            <span class='edwp-svg '><svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"Lg\">\n<path id=\"Vector\" d=\"M1.12509 9.50162H15.8648L9.43259 3.06941C9.374 3.0113 9.3275 2.94216 9.29576 2.86599C9.26403 2.78981 9.24769 2.70811 9.24769 2.62559C9.24769 2.54307 9.26403 2.46137 9.29576 2.38519C9.3275 2.30902 9.374 2.23988 9.43259 2.18177C9.54971 2.06535 9.70814 2 9.87328 2C10.0384 2 10.1969 2.06535 10.314 2.18177L17.8151 9.6829C17.8737 9.74101 17.9202 9.81014 17.9519 9.88632C17.9837 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