El Asegurador Magazine Jul-Sep 22

la economía mundial estará la
figura del asesor, porque los
clientes van a requerir a un
agente físico pero que incorpore
herramientas tecnológicas. El
intermediario tradicional se
está digitalizando, y eso tiene
un gran futuro.
Se necesita el contacto
humano. Por ello, el reto está
en cómo humanizar lo digital.
Hoy el mundo digital está en
todos lados; sólo debemos
colocar emociones en el seguro,
porque es una realidad que éste
es un producto emocional.
que estamos en la industria y
observar una gran colaboración
entre aseguradoras,
reaseguradoras, insurtech
y superapps, ya que todos
tenemos el mismo propósito,
que es proteger a las personas
y sus bienes a un precio
adecuado.
También tenemos que ser
reflexivos sobre el costo de
intermediación, y ahí tomo la
frase de Elon Musk que dice:
“Ustedes, sector asegurador,
no se dan cuenta, pero tienen
a un vendedor de seguros, una
aseguradora y un broker de
reaseguro ganando una parte
de la cadena de valor, y el
que lo paga es el cliente final.
Nosotros, con el automóvil y los
datos, podemos tener el mejor
precio”.
Tomando en cuenta esa
afirmación, puedo decir que
el desafío es grande y que hay
espacio para todos en la tarea
de darle una gran cobertura al
cliente a un precio accesible.
El mundo anterior, en el que el
costo de adquisición era muy
alto, se quedó en el siglo 20.
EAM: ¿Qué querría usted
ver en el futuro tanto en el
sector asegurador como en el
ecosistema insurtech?
HB: Me gustaría ver mucho
más humildad en todos los
Digitalization and innovation set the rhythm of the new
consumption era. This is why insurers and the insurtech
ecosystem must work together to achieve a true inclusion
that allows the Latin American population to be truly
protected
HB: This is where we find
ourselves face to face with an
issue that has been discussed
for several years: Where are
traditional insurance brokers
heading for? We thought
insurance agents were going to
disappear, but now it becomes
clear that they are undoubtedly
adapting and transforming
themselves as was the case of
taxi drivers when Uber came
into the game.
The challenge that the sector
faces lies in how interaction with
these platforms will develop as
they will constitute one third
of the global economy. The
role of insurance agents will be
closely related to the products
they offer. The industry must
remain relevant by offering
tailored products which most
outstanding feature will be their
digital distribution rather than
their brand.
Insurance agents will
constitute the other two thirds
of the global economy because
clients will need to interact
with a real agent who adopts
technological tools. Traditional
insurance brokers are adopting
digital resources, and there is a
lot of potential there.
Human contact is necessary;
thus, the challenge lies in
bringing the human element into
the digital world which is present
everywhere; we just need to
include emotions into insurance
as we are actually dealing with
emotional products.
EAM: What future would you
like to materialize for both the
insurance sector and the insurtech
ecosystem?
HB: I’d like to see the players
in this industry show much
more humbleness and a great
collaboration among insurers,
reinsurers, insurtechs, and super
apps since we share the same
goal, that is, protecting people
and their assets for a fair price.
We must also reflect on the
fees charged for the insurance
brokerage services and here, I
will borrow the following quote
from Elon Musk: “You, within
the insurance sector, are not
aware that insurance agents,
insurers, and insurance brokers
all own a piece of the chain
value, and it is the end customer
who pays for that. We can have
the best price with cars and
information.”
With this statement in mind, I
can say we face a big challenge,
but there is room for everyone
in fulfilling the task of offering
good coverage for clients at a
fair price. The world where the
purchase cost was high is a thing
of the past.
50
EL ASEGURADOR® MAGAZINE