Shows
Insurance Couch PodcastThe Insurance Couch Podcast - Why Voluntary Insurance Benefits Fail: Activation, Trust, and Employee InertiaGet Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.In this episode they talk about why voluntary insurance benefits underperform, how activation, not product design, is the real bottleneck, and why trust, ownership, and understanding employee inertia are critical to driving meaningful adoption in employee benefits programs.Here are the key takeaways:When selling insurance to your employees, your opponent is eit...
2026-02-1854 minInsurance Couch PodcastThe Insurance Couch Podcast - Insurance Activation: How to Drive Voluntary Benefits Enrolment in B2B2C ChannelsGet Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.In this episode they talk about why activation is the overlooked growth lever in B2B2C insurance, especially in employer-based voluntary benefits, where brokers, insurers, HR, and employees all have different incentives and low insurance “buying readiness,” making a structured education-to-enrolment journey essential for real uptake.Here are the key takeaways:Every time you...
2026-02-0443 minInsurance Couch PodcastThe Insurance Couch Podcast - The Hidden Power of the In-Force Book: How Inertia Drives Insurance ProfitabilityGet Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.In this episode they talk about the real power of the in-force book, why customer inertia outweighs customer loyalty, and how insurers can unlock profit through smarter pricing, segmentation, and portfolio management.Here are the key takeaways:Your in-force book is a strong asset, but it’s driven by customers’ inertia, not loveN...
2026-01-2148 minInsurance Couch PodcastThe Insurance Couch Podcast - Should Insurers Work With MGAs? Risks, Opportunities & the Playbook for Success (3/3)Get Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.In this episode they talk about how insurers can evaluate and manage MGA partnerships: from assessing the team and revenue case to establishing the right controls, oversight and strategic setup for a successful collaboration.This episode concludes our three-part series on the topic of working with MGAs.Here are...
2026-01-0747 minInsurance Couch PodcastThe Insurance Couch Podcast - Should Insurers Work with MGAs? Partnership Advantages and Disadvantages (2/3)Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.In this episode they talk about the rise of MGAs across Europe and beyond, why insurers should (or shouldn’t) consider partnering with them, and how different segments of the MGA market create both opportunities and risks for carriers.This episode is the second of our three-part series around the...
2025-12-1750 minInsurance Couch PodcastThe Insurance Couch Podcast - Should Insurers Work with MGAs? Opportunities, Risks & Growth Strategies (1/3)Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.|In this episode they talk about the rise of MGAs across Europe and beyond, why insurers should (or shouldn’t) consider partnering with them, and how different segments of the MGA market create opportunities and risks for carriers.This episode marks the beginning of our three-part series around the topic of working wit...
2025-12-0352 minInsurance Couch PodcastThe Insurance Couch Podcast - Licence or MGA? Making the Right Strategic ChoiceGet Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.In this episode they talk about whether insurers should consider giving back their licence and transitioning to an MGA model — and why, for most small and mid-sized players, it could be the smarter long-term strategy.Here are the key takeaways:80-90% of all national/regional insurers with less than 500...
2025-11-2655 minInsurance Couch PodcastThe Insurance Couch Podcast - MGA vs Carrier: Which Model Wins for Insurance Founders?Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they talk about the fundamental differences between launching an MGA and founding a full insurance carrier, exploring capital requirements, risk management responsibilities, survivorship rates, and how each model impacts growth, profitability, and long-term strategy for insurance founders.Here are the key takeaways:Carrier vs. MGA are two basic opt...
2025-11-1252 minInsurance Couch PodcastThe Insurance Couch Podcast - Mastering Lead Generation and Sales Growth in Insurance (3/3)Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.In this episode they talk about how lead generation in insurance is being reshaped by AI-driven search, the coming rise of personal agentic assistants, and the role of speech bots in scaling outreach while reducing costs. This is part 3/3 of their series on Lead Generation. Here are the key takeaways of the episode...
2025-10-2959 minInsurance Couch PodcastThe Insurance Couch Podcast - Mastering Lead Generation and Sales Growth in Insurance (2/3)Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode is part 2/3 of the discussion around leads. In this episode they talk about the latest trends in insurance lead generation, the critical role of speed and specialisation in conversion, and why rising lead costs demand smarter optimisation and cross-selling strategies.Here are the key takeaways:More and more...
2025-10-1553 minInsurance Couch PodcastThe Insurance Couch Podcast - Mastering Lead Generation and Sales Growth in Insurance (1/3)Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they talk about why most insurance organisations struggle with lead generation, everything it needs for customer acquisition, from basic contact data to booked appointments, the costs, and challenges of acquiring leads, and how salesforces must adapt their skills and processes to convert leads outside their own networks.Here are...
2025-09-3046 minInsurance Couch PodcastThe Insurance Couch Podcast - AI For Decision MakersGet Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they talk about AI for decision makers:One use case for AI is to make decision makers / knowledge workers more efficient.AI can help throughout the decision-making process including communication and implementation.It can cut the time for decision making including communication by up to 60%.AI takes voice-to-text t...
2025-08-0654 minInsurance Couch PodcastThe Insurance Couch Podcast - Attack on Cross SubsidiesGet Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they talk about the attack on cross subsidies:In many lines, there’s a trend towards more price differentiation using additional data we have on customers. Some business models focus purely on capturing profitable customer segments.There are 4 ways for incumbents to react to this trend which can be combined...
2025-07-1656 minInsurance Couch PodcastThe Insurance Couch Podcast - Aggregators 3/3Get Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they finalise their discussion about Aggregators (3/3):You can (further) increase profitability of the PCW channel by increasing prices (relative to other tariffs) over time and by incentivizing PCW customers to refer you to their friends.A convincing communication and discount strategy for your agents and brokers i...
2025-06-2534 minInsurance Couch PodcastThe Insurance Couch Podcast - Aggregators 2/3Get Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they talk about Aggregators:When working with PCWs you can (and must) retrieve a unique wealth of data. It’s important that you make the effort of constantly retrieving and interpreting the data and implement real-time actions.In rare cases you can hit the jackpot and find profitable nic...
2025-06-0448 minInsurance Couch PodcastThe Insurance Couch Podcast - All About Aggregators (1/3)Get Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they talk about Aggregators:Price Comparison Websites (PCW) are an important distribution channel in many countries and for several lines of business (especially motor).Their business model is to connect price sensitive customers with insurers that need to shop topline growth.The combination of low premiums, high co...
2025-05-2151 minInsurance Couch PodcastThe Insurance Couch Podcast - Embedded AirlineGet Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they talk about Embedded Insurance when it comes to Airlines:Travel insurance through airlines is one of the oldest and most successful embedded insurance segments.It can raise ticket profitability for the airline by as much as 30%.The best airline/insurer partnerships reach up to 15% attachment rates...
2025-05-071h 00Insurance Couch PodcastThe Insurance Couch Podcast - Risk AppetiteGet Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode they talk about the Risk Appetite of Insurers:Every insurance Board of Directors must issue a Risk Appetite Statement.However, there aren’t many proper and specific Risk Appetite Statements for insurers. Yet, defining the Risk Appetite isn’t that hard.For a Financial Risk Appetite Statemen...
2025-04-2353 minInsurance Couch PodcastThe Insurance Couch Podcast - Insurtech LeftoversGet Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode is all about what they call "Insurtech Leftovers". These are some of the key insights shared in the episode:Insurtech is dead – R.I.P.Online direct isn’t an attractive channel in insurance: limited size, no growth, high CAC, low LTVApps and portals have been a mistak...
2025-04-0956 minInsurance Couch PodcastThe Insurance Couch Podcast - AI ImplementationChallenges (2/2)Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode is all about AI Implementation Challenges (2/2) and these are some of the key insights of the episode:70% of a successful AI implementation is change managementReasons for resisting AI implementation include cognitive overload, fear of failure, lack of leadership buy-in, change fatigue, or misaligned incentivesThese reasons of re...
2025-03-2657 minInsurance Couch PodcastThe Insurance Couch Podcast - AI Implementation Challenges (1/2)Get Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode is all about AI Implementation Challenges (1/2):The progress in AI is impressive and calls every manager to actionGiven the vast amounts of funding, AI is likely to continue its success story As with every tech implementation, change management is the most important componentUsing AI to ge...
2025-03-1252 minInsurance Couch PodcastThe Insurance Couch Podcast - Auto Renewal vs. Forced RenewalGet Your Insurance Fix on “The Insurance Couch” Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about the renewal of insurance contracts 🎙️
Whether customers must actively renew their insurance contracts (forced renewal) or contracts renew as long as you don’t cancel them (auto-renewal) makes a big difference for insurance markets.
The difference in Lifetime Customer Value (LTV) between...
2025-02-2654 minInsurance Couch PodcastThe Insurance Couch Podcast - Strategic Investment
Get Your Insurance Fix on “The Insurance Couch” Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Strategic Investment in the Insurance Industry 🎙️
It’s a good idea to buy other insurers if you want to enter new countries or lines of business – because building this organically isn’t what most insurers are good at.
Buying insurance sales channels c...
2025-02-1252 minInsurance Couch PodcastThe Insurance Couch Podcast - Broker DistributionGet Your Insurance Fix on “The Insurance Couch” Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about broker distribution 🎙️
Brokers are a valuable distribution channel for most insurers/MGAs
Segmenting brokers makes a lot of sense – but use profitability, not volume as criteria
The most profitable brokers will be the ones for which you are the preferred insurer/MGA
...
2025-02-0546 minInsurance Couch PodcastThe Insurance Couch Podcast - MGA Market Entry GermanyGet Your Insurance Fix on “The Insurance Couch” Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about MGA Market Entry in Germany🎙️
Germany is a big insurance market, so as a non-German MGA you might consider entering the market.
Regulation for intermediaries is more light touch than in other EU countries.
To actively source business, you need (senior) lo...
2025-01-2948 minInsurance Couch PodcastThe Insurance Couch Podcast - Growth Opportunities Bonus EpisodeGet Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Growth Opportunities in the insurance industry (Bonus Episode):
Hybrid agencies generate leads online but convert them over the phone.
Hybrid agencies are scalable: for every new telesales agent you typically get about 200 new customers per month.
You can easily start a hybrid agenc...
2025-01-2248 minInsurance Couch PodcastThe Insurance Couch Podcast - Growth Upportunities 4Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Growth Opportunities in the insurance industry (4/4):
Quick growth can be achieved by winning new sales partners with existing customers (brokers, multi-agents, banks, etc.).
Don’t give the sales partners parts of your margin: solve some of their problems.
Adjust your products and process...
2025-01-1559 minInsurance Couch PodcastThe Insurance Couch Podcast - Growth Opportunities 3Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Growth Opportunities in the insurance industry (3/4):
Insurance is not an industry with lots of trends and hypes. So, if you find a hype in your market, jump on it!
Don’t try to create a trend. Follow what’s already successfu...
2024-11-1954 minInsurance Couch PodcastThe Insurance Couch Podcast - Growth Opportunities 2Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode is all about Groth Opportunities in the insurance industry (2/4)🎙️:
Smart referrals can boost your business.
When you offer recurring savings on premiums you turn your referral program into a loyalty program.
Switch products have proven to be an effective measure to win new customers.
The perceived...
2024-11-0655 minInsurance Couch PodcastThe Insurance Couch - Growth Opportunities 1Get Your Insurance Fix on “The Insurance Couch” Podcast!Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.This episode is all about growth ideas for actors within the insurance industry (1/4)🎙️:
The past 2 years, growth has mainly come through rate increases. It’s time to show some real growth again.
If you want to show growth in 2025, it’s time to act now.
Utilize your tied agents to...
2024-10-2259 minInsurance Couch PodcastThe Insurance Couch Podcast - AI in the Insurance IndustryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about AI in the Insurance Industry🎙️
Investors and boards request the use of AI in insurance companies.
It’s crucial to get your data right. No AI without well-organized data.
The best starting point to use AI is in customer request handling...
2024-10-091h 05Insurance Couch PodcastThe Insurance Couch Podcast - Tied-Agent vs. Multi-AgentGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about the upsides and downsides of Tied-Agents vs. Multi-Agents🎙️
Brokers and tied agents look more and more the same.
Very few customers know the difference between brokers and agents.
Many brokers work predominantly with a few selected insurance partners.
Single-tied agents start o...
2024-09-0453 minInsurance Couch PodcastThe Insurance Couch Podcast - Bancassurance 2.0Get Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Bancassurance 2.0🎙️
Bancassurance 2.0 isn’t working as well as it sounds
Bank transaction data doesn’t contain enough information for personalised insurance advice
However, together with data from other sources bank transaction data (and banks’ trusted brands) can improve insurance conversion ratios
Wher...
2024-08-2152 min
you.talkyou.talk #41 | Die Evolution von Hypoport: Komplexität erfolgreich managen (Artur Reimer)Die Evolution von Hypoport: Komplexität erfolgreich managen In der 41. Folge des you.talks sprechen Ingolf Putzbach und Oliver Lang mit Artur Reimer, Vorstandsmitglied der Hypoport InsurTech AG und CEO von Corify GmbH, über:
Vom DJ zum CEO: Wie Artur sich seinen Weg in die Versicherungsbranche getanzt hat.
Die Hypoport-DNA: Wie kam es dazu, dass Hypoport mit Smart InsurTech in die Versicherungsbranche eingestiegen ist? Wie hat sich die Struktur von Hypoport im Zuge der Expansion verändert?
Wie funktioniert die breite Portfoliostrategie von Hypoport? Wie bewältigt man eine solche Komplexität?
2024-08-0948 minInsurance Couch PodcastThe Insurance Couch Podcast - Digital Customer JourneyGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
🎙️This episode is all about how to improve performance in digital customer journeys.
If you are strapped for time, here are some takeaways:
Conversion rates on digital customer journeys are comparatively low (2,5-3%) driving up CAC
Technical investment in mobile-first, speed, tracking & retargeting and A/B-testi...
2024-08-0752 minInsurance Couch PodcastThe Insurance Couch Podcast - Productivity Agents & BrokersGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
In this episode, they discuss productivity for Agents & Brokers Here are some of the key insights from this podcast episode:
Tied agents have gone through a massive productivity improvement of about 40% over the last 10 years.
This is even more impressive as brokers haven’t realised any...
2024-07-2453 minInsurance Couch PodcastThe Insurance Couch Podcast - Hybrid AgencyGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
In this episode we discuss the hybrid Agency Business and why it is so successful. Here are some of the key insights from this podcast episode:
Hybrid insurance agencies complement traditional agency formats
Hybrid agencies can win new customer groups and cross-sell to existing customers
Eve...
2024-07-0353 minInsurance Couch PodcastThe Insurance Couch Podcast - Health Budget InsuranceGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Health Budget Insurance. Here are some of the key insights from this podcast episode:
Health Budgets is proven product innovation at the crossing of employee benefits and health insurance
It’s an employer-financed coverage for employee out-of-pocket health expenses
Positive impact...
2024-06-1947 minInsurance Couch PodcastThe Insurance Couch Podcast - InnovationGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about innovation in insurance🎙️
Innovation = Novelty * Utilization – and ideally it creates a new profit pool.
Innovation in insurance is barely rewarded by the customer – sometimes it’s triggered by regulation.
Pet insurance, Switch products, embedded insurance, or digital agencies are examples of successful ...
2024-06-0550 minInsurance Couch PodcastThe Insurance Couch Podcast - Profit InvestmentGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about profit investment in the insurance industry 🎙️
Capital markets reward growth companies vs. dividend companies.
Start growing where you’re already good at - existing products, distribution channels, and regions.
Invest in areas where Customer Lifetime Value (CLV) is more than 3 times Cus...
2024-05-2250 minInsurance Couch PodcastThe Insurance Couch Podcast - Beyond InsuranceGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
Here are some of the key insights from this podcast episode:
Don’t build what you can’t sell is also true for services beyond insurance.
Many services beyond insurance fail – you need to be able to test and end new services quickly.
...
2024-05-0849 minInsurance Couch PodcastThe Insurance Couch Podcast - InternationalisationGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about internationalisation in the insurance industry 🎙️
Organic internationalisation without an existing distribution channel is suicide.
What you buy when purchasing an insurer abroad is mainly its access to distribution channels.
For cross-country regulation turn to people who have been there and done th...
2024-04-2450 minInsurance Couch PodcastThe Insurance Couch - High Frequency ClaimsGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about high-frequency claims and how they affect the insurance industry 🎙️
High-frequency claims lines can be handled profitably with exclusions without lowering prices.
Making it harder for customers to hand in claims esp. around proof of purchase and loss is key to ensure profitabi...
2024-04-1054 minInsurance Couch PodcastThe Insurance Couch - Natural CatastrophesGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about natural catastrophes and how they affect the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
Over the last three decades, the economic effect caused by climate change...
2024-03-2046 minInsurance Couch PodcastThe Insurance Couch - Credit Protection InsuranceGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Credit Protection Insurance🎙️
The party as we know it is over in Germany.
Distribution must be completely rethought.
Products and technology must adapt to the new normal.
Cross-selling other (insurance) products can make up for some of the lost business.
As a ma...
2024-03-0647 minInsurance Couch PodcastThe Insurance Couch - Direct InsurersGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Direct Insurers 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
Online direct insurers need a long-term owner
Getting services from mother companies at cheap variable costs is an unfair a...
2024-02-2159 minInsurance Couch PodcastThe Insurance Couch - Carbon Offset InsuranceGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about carbon offset insurance 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
Carbon offset compensates for a greenhouse gas emission that an individual or organization produces
Sellers of carbon offset a...
2024-02-0746 minInsurance Couch PodcastThe Insurance Couch - Tied AgentsGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about tied agents 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
Insurtechs ultimately didn’t work because of the expense and time it takes to build trust
Until today, major grow...
2024-01-2450 minInsurance Couch PodcastThe Insurance Couch - What stays from 2023?Get Your Insurance Fix on "The Insurance Couch" Podcast!
Join, Oliver Lang former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This time they talk about what trends to expect to stay from 2023.
📌 We haven’t seen much operational improvements in broker consolidation platforms.
📌Pet is still a growth area – but not very profitable.
📌 2023 was the year of restructuring in P&C insurance – and it’s not over y...
2024-01-1054 minInsurance Couch PodcastThe Insurance Couch Podcast - Insurance Industry Forecast 2024Get Your Insurance Fix on "The Insurance Couch" Podcast!
Join, Oliver Lang former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This time they talk about what to expect about what we expect to see happening in 2024 in the #insuranceindustry.Here are six forecasts of many more you can expect in this podcast episode:📌 None of the 2023 hype topics will see a break-through in 2024.
📌 P...
2024-01-1053 minInsurance Couch PodcastThe Insurance Couch - MGAsGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about MGAs and their practices 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
MGAs are just like an insurance company without taking risk, buying reinsurance and investing assets
The differen...
2023-12-0649 minInsurance Couch PodcastThe Insurance Couch - All about ClaimsGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about claims and handling them🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
Claims handling is an insurer’s core product.
Our product doesn’t have to be great...
2023-11-2245 minInsurance Couch PodcastThe Insurance Couch - Inflation and implications for the insurance industryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is about inflation and its implications on the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 Inflation is the time of larger shifts in...
2023-11-081h 00Insurance Couch PodcastThe Insurance Couch - AggregatorsGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is about aggregators in the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 Some call aggregators the last true innovation in insurance
📌 Ch...
2023-10-1852 minInsurance Couch PodcastThe Insurance Couch - Shareholder ValueGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is about shareholder value 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 Markets clearly favour investments in insurance brokers over insurance carriers.
📌 Owning the customer is important...
2023-09-2756 minInsurance Couch PodcastThe Insurance Couch - Customer Acquisition Cost FinancingGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is about customer acquisition cost in the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 Lemonade’s synthetic agent is simple financing of customer acquisition cost
📌...
2023-09-1350 minInsurance Couch PodcastThe Insurance Couch - One PolicyGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is about the One Policy 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 The ONE policy covers any unplanned reduction in income and any unplanned...
2023-08-3040 minInsurance Couch PodcastThe Insurance Couch - Corporate startups in the insurance industryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about corporate startups 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 With every new legal entity you create organizational debt
📌 In some organiz...
2023-08-1651 minInsurance Couch PodcastThe Insurance Couch - Innovation in the insurance industryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Innovation in the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 Innovation is novelty x application.
📌 Our industry doesn’t favour first movers.
📌 Innovat...
2023-08-0237 minInsurance Couch PodcastThe Insurance Couch - ESG in the insurance industryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about ESG in the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 Lemonade does “social washing”
📌 Taking two years to regulate a claim isn’t social
📌...
2023-07-1951 minInsurance Couch PodcastThe Insurance Couch - Solidarity In The Insurance IndustryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about solidarity in the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 Equal societies are less fragile
📌 Including the state-run systems insurance accounts for more than 25...
2023-07-0547 minInsurance Couch PodcastThe Insurance Couch - The role of IT in the Insurance IndustryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about the role of IT in the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 You don’t have to be the "Apple" of insurance, it’s fine to be F...
2023-06-2154 min
Insurance Couch PodcastThe Insurance Couch - Changing World Order & War For Talent In The Insurance IndustryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about the changing world order & the war for talent in the insurance industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
Changing World Order
📌 Insurers and reinsurers...
2023-06-0753 min
Insurance Couch PodcastThe Insurance Couch - Embedded Insurance & InsurTech Valuation DownturnGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about Embedded Insurance & InsurTech valuation 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
Embedded Insurance
📌Forcing a customer to buy Payment Protection insurance at a 90% commission ratio is n...
2023-05-2253 min
Insurance Couch PodcastThe Insurance Couch - Consolidation in the insurance broker industryGet Your Insurance Fix on "The Insurance Couch" Podcast!
Join Oliver Lang, former CEO of InsurTech Unicorn Wefox/One Insurance, Supervisory board member and Advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech Enabler KASKO as they bring you unique insights from their experiences in the insurance world.
This episode is all about consolidation in the insurance broker industry 🎙️
These are some key points about what to expect to learn from the conversation in this podcast session:
📌 The result of a broker consolidation is typical that 5-10 large brokers own 70-80% of th...
2023-03-2053 min.png)
you.talkyou.talk #4 | Making Insurance Sexy Again? (Nikolaus Sühr)Making Insurance Sexy Again?In der vierten Folge von you.talk sprechen Ingolf Putzbach und Oliver Lang mit Nikolaus Sühr, CEO & Co-Founder von KASKO Ltd, über:
Die Fehler die man bei Gründung eines Assekuradeurs auf jeden Fall vermeiden soll.
Welche Produkte die Erwartungen des Projektes UND des Kundens erfüllen.
Die Gefahr der Provisionen und wie Schweden uns einen Ausblick darauf geben kann, wie sich die Versicherungswelt in Deutschland in den kommenden Jahren ändern könnte.
Welche Strategien für das vor uns liegende Unbekannte in der Versich...
2023-03-1750 min
Connecting InsuranceConnecting Insurance Podcast Episode 13 with Marcel Walther an Actuarial Data ScientistMarcel Walther is Senior Manager at EY Tech Consulting and considers himself an "Actuarial Data Scientist", as in his past he was both "an actuary and a data scientist. In the past, he helped Oliver Lang, former InsurTech CEO at wefox/One insurance, create the insurance playbook for the insurance unicorn. For him, insurance is a data product - based on information and risk, that gives him the advantage of combining his two backgrounds and skillsets. In this podcast episode, Marcel and Nick discuss and share details about product management, distribution channels and customer centricity in the insurance industry. So...
2023-02-091h 16
Connecting InsuranceConnecting Insurance Podcast - Episode 11 with Oliver LangOliver Lang has a history of working in the Insurance and InsurTech scene with 25 years of experience in the industry.
Coming from a background in consulting he founded several businesses (Sales & MGA's, insurers) and held a variety of positions with his last role being the CEO of InsurTech unicorn wefox and his new role as an advisor and part of supervisory boards of several companies in the insurance space, he is staying true to his two professional interests: Insurance & growth strategies.
Oliver has been a guest on the podcast previously, but in this episode, he...
2023-01-251h 01
Spiros Margaris's Podcast@SpirosMargaris' Podcast with Oliver Lang CEO of ONE InsuranceMy great friend Oliver (Lang), the CEO of the leading European insurtech company ONE Insurance (part of the wefox Group) sat down with me to talk about their vision, strategy and USP. @SpirosMargarisCompany and Personal links:ONE Insurance: https://www.one-insurance.com/de/de/Linkedin Profile of Oliver Lang: https://www.linkedin.com/in/oliverlang/Spiros Margaris, VCwww.MargarisVentures.comRanked Global No. 1 Fintech influencer by Refintiv Ranked Global No. 1 Fintech, AI, Blockchain & No. 2 InsurTech influencer...
2020-10-2731 min
Digital Insurance Podcast: Versicherung & DigitalisierungOliver Lang, CEO, ONE Versicherung AGMit Oliver rede ich darüber
inwiefern ONE als InsurTech anders ist, als eine klassische Versicherung,
warum ONE "digital aber nicht direkt ist" und
wofür die ONE-App eigentlich da ist.
Links
Zum LinkedIn-Profil von Oliver
Whitepaper: KI verantwortungsvoll einsetzen
Das Einzige, was riskanter ist als KI, ist sie zu ignorieren. Ladet euch jetzt das Whitepaper von Thoughtworks herunter und setzt KI verantwortungsvoll ein.
2020-08-0643 min