Innovation in Insurance

Abstract

15th March In his current role, Howard offers thought leadership to Deloitte's insurance clients in areas rang-ing from growth and globalization to managing the complexities of regulatory compliance. He is a frequent speaker at many industry conferences and events on topics such as enterprise risk manage-ment and the impacts of proposed US and global regulatory changes. He has been widely published in the national and international trade and consumer press. Bernard Tubiana Bernard Tubiana is a principal at Monitor Deloitte focused on insurance. He advises senior management teams on their corporate, business unit, product, and market strategies. He also advises clients on customer experience, merger integration, process redesign, and cost reduc-tion and associated process, technology, and people-related changes. Bernard has spearheaded Deloitte Consulting LLP's work applying innovation and disruption theory concepts to financial services firms. Bernard co-hosts a number of forums for life, annuities, and group benefit carrier executives. He is often quoted in insurance trade publications, including A.M. Best and National Underwriter/ Tech Decisions. Furthering the conversation on innovation About the authors We are pleased to offer this insight as a part of Deloitte's innovation series—a collection of articles aimed at providing ideas and practical insights specific to innovation.