---------- Forwarded message --------- From: David Gritz <david@insurtechny.org> Date: Thu, Feb 20, 2025, 2:22 AM Subject: Do you need a DOGE? [ITNY News] To: <g@xny.io> [image: News 39 DOGE] Famously named after a meme cryptocurrency, the new Department of Government Efficiency (DOGE) has converted an apolitical tech service - US Digital Service - into a ‘digital strike team’ attracting a firestorm of attention. That raises the question: do insurers need their version of DOGE? Data says maybe. Per Conning, non-commission expense ratios have barely budged since 1977 (data below). And, last we checked, we have better technology today. Insurers must ruthlessly question what is necessary to deliver underwriting performance and quality claims service. If you are looking for ideas on how to do this, we have just the place - InsurTech Spring Conference. Find your best ideas with panels on the Impact of AI on Pricing, The Next Gen Carrier Model, the Next Phase of Automated Underwriting, and Predicting Claims Behavior with Analytics. For newsletter subscribers only, register this week only with Code DOGE2025 for 20% off all ticket types. Event details: www.insurtechny.com/insurtech-spring-conference/ *Register Now* <https://d5nLkf04.na1.hubspotlinks.com/Ctc/JA+113/d5nLkf04/VX5lhV6fsmjZN5X2xFxtGVJsW4125np5sfGr6MJvQnv3qn9gW7Y8-PT6lZ3lzN7N7gWDB30DlW3wPFYC1p9W9xW1YjjvG803VdPW3Dhjrx5PQzx0W8Z8pPf6_dJj2W6rpZlK2k7BKPW320_MV8sr8XRW50t2V32HZwDMW7KSf326qHnTVW7njYKv8l9P-CW1pP49m4bCWyxW8DW0Lw1BdmqwN9bqxTQ6fp9tW76K7Wd9d9xg1VsJRGk4MzVqqN4vl6kY71kxsW5KC9SV7l1DZTW2Kk1bq4-zc48W3gWhtF4mNMZjW84NLGM2hF6HcW3KHnrt3pM3h4W85fJ954-tWjdW5DwqTL8Dk2w8W5nrMmH2DpfQ2W2txyS75yg56YW341H5y5fYSbVf6V94LT04> [image: expense ratio] Upcoming InsurTech Community Events and Programs (Webinar) - AI in Insurance: Beyond Automation <https://d5nLkf04.na1.hubspotlinks.com/Ctc/JA+113/d5nLkf04/VX5lhV6fsmjZN5X2xFxtGVJsW4125np5sfGr6MJvQnP3qn9gW8wLKSR6lZ3lrVDzhnt7fnm5XW3BJ1qh6wdptKW1wZGjY1SgHcYN1sSRJl31hNrW6nVvzD4j91kQN7PPsHfLBBgGW7cQ9PX9061fQW13w2YJ5xbwv9W7rNLMg76-pCDW9gQxYD5NQ5RBW3s9TtB65rkQDW8bH1vV6WLQs9N378MQp3VmL6N8ncHlg9VjnkW3Rt1VS6JSnvqW8wbK703rYNNFVs15rx4LTSHvW8_Kl4C83Pvw0W8cGzmk1ygT85N5MfjxfxnKTbW325QCh24DVZjW3Q3b-s6jymkRW1WH9Q923dm5RW7ch5p68bMpNSW29B3NF7mDG67W4SXZgv8mQs2WW6djKVv6pX7QhW2dJDCb5cyfNDf1CKH0004> Mar 12, 2025 | 12:00 pm - 30-minute webinar hosted in partnership with HyperExponential Insurtech Spring Conference 2025 <https://d5nLkf04.na1.hubspotlinks.com/Ctc/JA+113/d5nLkf04/VX5lhV6fsmjZN5X2xFxtGVJsW4125np5sfGr6MJvQnv3qn9gW7Y8-PT6lZ3pNW354RGT5dXt_cW2fDgZ08ngRcHW9lMXwc6P9hhdW5NSDd82Wpq3zN29mFH3DMPYhN3J1hQdLnhckW3L_qHV1SGM5wW84t9Vy3mChCFN5tTXqc9jq3lVCxq-T3ybWXrVr3R9g4_gjnLVXDc1z3Br5g8F5jQZjwh0s2W5XD6J-1Cds9tW2PW4Gg6p2468W4zlVdP7FCRp2W49gF3k2zGN0KW3WqtXX7WP8HKW3m5C4y8S9GB8W2Sd9ws66Z0VkVfn98-3sLd2qW3MlY5K8Hpj2zW8Nmmpq6JVzBRW6LWrNP9gqb-5W14MNbS81zdg7V38-Sm2M2BrHf6cgk0x04> Apr 2-3, 2025 | New York - 1000+ influencers, 100+ speakers, 10 startup presentations, + expo hall Executive Roundtable: Bringing AI to Reality <https://d5nLkf04.na1.hubspotlinks.com/Ctc/JA+113/d5nLkf04/VX5lhV6fsmjZN5X2xFxtGVJsW4125np5sfGr6MJvQnP3qn9gW8wLKSR6lZ3l5W3j-Lrj5cZGy6W4Mjk6h1lHsvqW8YvHQN2x24pRVNvhs-2HqFSQW1s5Bq33ZRd2MW1Xx65-57R6wdW1zJ7rJ5NBW_SW54jQ814MJV8VW829_3S3hy73nW1Pwv5c6T_pQcW49GtD173sF0bW5rKmCN2Wgr7MW8v0QsR2NYr2tW8kzQH28Vmx8yW4QJSVW75rWTQW1Nv-8z3FfwlwW6BZTqY85fZ8-W3C3Ldf1NhjzsW7hp0ST2HJQlDW6Fp9Tm3gDYnpW6_Szkc914GH-W6P38xS4ZDfl1V2rXyt5Dd1vLW2nxvJK3h44-dW3y-bhJ7NdvLmV_DwNn39nbCyW38x6j95Dp2v6W1t6rDJ30-DXGf2Ml0gx04> Apr 1, 2025 | New York - Invite-only Executive Roundtable with a unique AI focus Building California Resilience Post Wildfires <https://d5nLkf04.na1.hubspotlinks.com/Ctc/JA+113/d5nLkf04/VX5lhV6fsmjZN5X2xFxtGVJsW4125np5sfGr6MJvQmW3qn9gW6N1vHY6lZ3q1VkfqTk5nf-5tW9gLvY42mCX9RW1RB4y_81jprZVw1qpn4Kvw5FW108_8n3vm48rN47cytLT3QLZVcb1SF4Hk0qBW8sr6Rm8lchXdN4T42CWPb1s8W8Bb_3l3xpQ68W42rQjN96492qW1zcpxF3kR303N2vwcHV7Q9_LW2p4hst2trKRVW4ymF4N5jGS5VW9jp63P3dRwVVW5qTptF3s400bW60Rvx-45p2w2VNy5gD2n3ZcGW33W6Cp2p9B6CW4SvvJX8Z78hKW5KP63B3YT6-Tf4hZqyl04> Mar 4, 2025 | San Francisco - Hear from 3 VCs and 3 Startups on how to (re)build with resilience in mind InsurTech NY Sponsors Thank you to our InsurTech NY Community Sponsors [image: Sponsors Feb 13 2025 (1)] If you are interested in sponsoring our community or our 2025 Spring conference, send us a note at contact@insurtechny.com. [image: image002-for-web-1] Our partners over at Troutman Pepper Locke (Formerly Locke Lord) will be helping to inform the community, by creating a glossary of terms used in the Insurance industry. Life Settlement - means the secondary market sale of an in-force life insurance policy by its original owner, typically… read more <https://d5nLkf04.na1.hubspotlinks.com/Ctc/JA+113/d5nLkf04/VX5lhV6fsmjZN5X2xFxtGVJsW4125np5sfGr6MJvQnv3qn9gW7Y8-PT6lZ3p6M6gm29WQw2MW27M1Z88VRXZQW8Q4S7w8VxP5gW61nF6w2-YGSKW8fhQQf6qtXGJW5d5jqn7GsslCW8Scrcy39kGfGW7KhfX_3tQHSZW40sLcd1XKzfkW2ThHzg8-VsvwW4Ysft93zmRcGVJbS0c47Lc80W5-XxP85t0fyrN1WWxGytRFcwVLp0XJ2YBD4vW6XchY92z5zjxW6-hPcR2zR1R3W5FnpG05YJMvjW5s3WJ227fzdlW2B_xNP2FLHKNW830b2F9cJ_p1V6KS6p6Dlh8cN7cgJSS-bYnTW1c9fWs4P6lB6W5y6xVk7JVxxlW6Kdjbr5KY5Fff2zSdGq04> InsurTech East Coast Deals, Opportunities, and Partner Events Discover a curated mix of InsurTech financings, exits, partnerships, opportunities, and partner events on the East Coast. *InsurTech News and Deals* Openly ($193M, Eden Global Partners): MA-based home insurance startup Red Sky Health ($3M, Trevor Burgess): Boston-based AI-driven platform optimizing healthcare claims management *Marsh McLennan* acquired New York based* Acumen Solutions Group*, for undisclosed sum. *Equisoft *Acquired *VisCalc* for an undisclosed sum *Partner Events and Programs* - ClimateTech Connect (April 15-16) - Global Insurance Symposium (April 15-16) - 2025 Resource Pro Summit (April 22-24) - InsurTech Hartford Symposium 2025 (April 29-30) See more information about our partner events here: https://www.insurtechny.com/2025-insurtech-conference-calendar/ <https://d5nLkf04.na1.hubspotlinks.com/Ctc/JA+113/d5nLkf04/VX5lhV6fsmjZN5X2xFxtGVJsW4125np5sfGr6MJvQnv3qn9gW7Y8-PT6lZ3l_W6wv5NJ49zCBZW7dzGXF1lBPKYW23B9tc500vDbW1nV57l3RY3QCV9YxhS6kg4dQW2vKm1d2R0HLMW4hcT_q3tjn6YW29ysys8G_JzfW8kLnLd3_bs7TW3mt2Q88c5w6gW97F4Bd41s09NW4L3CV01R2jwNW6GK3wy1q30tJW7ctvg320N1hdW9lzBfS6pb6qhW8X0bsq36j-J-N49GqC-3QgR4W8gmRl-9b7mVqVS2dvW3FCJTFW37PdCg3bhRZJVKFtdf4Xt-p5W8k6fx42jSNLnW5t5lrS7vcY62W4kM3DG6Pd3zpW5JxYHc75nlX0W1079P82F3RTmf8tjzQK04> Jobs at carrier/broker innovation and venture teams *Appian *– Senior Compensation Partner *Travelers *– Account Executive Officer/Sr. Underwriter, National Accounts *Gallagher *- Global Programs *Lockton Re* - Senior Claims Consultant | New York *Tokio Marine* - SVP, Excess Casualty Underwriter See more information and apply via our blog: https://www.insurtechny.com/jobs <https://d5nLkf04.na1.hubspotlinks.com/Ctc/JA+113/d5nLkf04/VX5lhV6fsmjZN5X2xFxtGVJsW4125np5sfGr6MJvQmW3qn9gW6N1vHY6lZ3m1W8vfJ_n4Y4g3lW6v98WN5fYWWTW60DN9V6tdscpW3bxwnW23yYyPW4HTjzV5BCymdW6hMnCn3t8fMZVfpkBS5Gdb-HW1XvQrf5Jl73lW3vMdK439v10kW4dStWF53qMyrW3_tKdY7v35_wW7htKHc3vvzbLW3pLCPf7scNZdW54tdQF1xbLrFW1KKw1Z7MNC4bW3y79jG3cHN4gW4rLcfr96yg3hW7gpMSd50WC57W425nYS1bSt8KW5Gx-Yd8ccz9TW7J2cjr6Ky2GgW1RzX0Z61Yy9Df6GH2LT04> What Type of InsurTech Research Do You Want? We plan to publish research about InsurTech startups, venture capital and investment trends, and insurance executive strategy. Do you have an idea for research that the industry should read about? Share your ideas with us, and we can collaborate. Feel free to reach us at contact@insurtechny.com Best, David and Tony InsurTech NY Team InsurTech NY, 43 West, 23rd Street, New York, NY <https://www.google.com/maps/search/43+West,+23rd+Street,+New+York,+NY?entry=gmail&source=g> Unsubscribe <https://hs-45779215.s.hubspotemail.net/hs/preferences-center/en/direct?data=W2nXS-N30h-zdW2q-Cg53ZKS8RW1Bg-hs2xyWtLW4mytsk4crkcvW3XXTSj3zcD22W1-Y4tF3ZYYqGW2CDhdy1Lnk5fW4mFyQc3W38ZGW4kn7-T3DYKBPW2s_9SV1VrktmW2Wq3X71Bs6nYW47W96Q3XLY4nW4mkvlx2v-Bm8W1_rwlX4pzZM_W3487Rz3g2y48W4cs_yN2YGBKMW4kr0BK3XXpWLW308TYj3bwRrJW3yQfzv4txZqFW3DJLps2-kSDSW3ZLk8H3jwGDSW1NkF2d4cMkHpW4mCQNp2PylQ5W2w36LB4kBMQhW32kY4_2KY8cGW3Cb8sH30lVssW3XJSPv23qK7BW3BYSVN2HGHDDW3jshDq3DVqgPW2nH_bX32qtyLW3_w0pf21gD5tW3dwh9w43JntnW3bC3zm30nbB4W3DLTS03Sy6nWW3P2W7H43R0MKW1XylVW4hgZMyW2PLKR82YDXc3W3DSJMp3VBKz7W2r4THL3GJ7lqW3XZZXM3bszMtW3ZxTzv49QvmVW1BgBd83_sxpGW3D-Ryh4hNZL3W2YghFC3ZMzSxf30qD5w04&utm_campaign=InsurTech%20NY%20Newsletter&utm_source=hs_email&utm_medium=email&utm_content=348116126&_hsenc=p2ANqtz--YiPmO01lnA7zGKXiUEm7xLqfeMisplCXE1fgLJnj85NLLgG8l2ZI92zI0V2uZkWXps4x8&_hsmi=348116615> Manage preferences <https://hs-45779215.s.hubspotemail.net/hs/preferences-center/en/page?data=W2nXS-N30h-zdW2q-Cg53ZKS8RW1Bg-hs2xyWtLW4mytsk4crkcvW3XXTSj3zcD22W1-Y4tF3ZYYqGW2CDhdy1Lnk5fW4mFyQc3W38ZGW4kn7-T3DYKBPW2s_9SV1VrktmW2Wq3X71Bs6nYW47W96Q3XLY4nW4mkvlx2v-Bm8W1_rwlX4pzZM_W3487Rz3g2y48W4cs_yN2YGBKMW4kr0BK3XXpWLW308TYj3bwRrJW3yQfzv4txZqFW3DJLps2-kSDSW3ZLk8H3jwGDSW1NkF2d4cMkHpW4mCQNp2PylQ5W2w36LB4kBMQhW32kY4_2KY8cGW3Cb8sH30lVssW3XJSPv23qK7BW3BYSVN2HGHDDW3jshDq3DVqgPW2nH_bX32qtyLW3_w0pf21gD5tW3dwh9w43JntnW3bC3zm30nbB4W3DLTS03Sy6nWW3P2W7H43R0MKW1XylVW4hgZMyW2PLKR82YDXc3W3DSJMp3VBKz7W2r4THL3GJ7lqW3XZZXM3bszMtW3ZxTzv49QvmVW1BgBd83_sxpGW3D-Ryh4hNZL3W2YghFC3ZMzSxf30qD5w04&utm_campaign=InsurTech%20NY%20Newsletter&utm_source=hs_email&utm_medium=email&utm_content=348116126&_hsenc=p2ANqtz--YiPmO01lnA7zGKXiUEm7xLqfeMisplCXE1fgLJnj85NLLgG8l2ZI92zI0V2uZkWXps4x8&_hsmi=348116615>