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INSIGHTS & NEWS

JENOA Insights

The expertise and experience of the JENOA team is far-reaching and each specialist has areas of interest covering the full spectrum of the insurance market. All our thought leadership articles, opinion pieces, commentary in the media, and white papers can be read, searched and downloaded here.

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How is scaling AI offering re/insurers opportunities?

May 14, 2025 | London, UK

Many re/insurers are finding it hard to unlock a global potential in artificial intelligence (AI) estimated by McKinsey to be in the region of US$ 4 trillion.  This is perhaps not surprising, considering that AI and all its sub-sets cover a wealth of opportunity across enterprises and business sectors.  As part of our on-going series examining the developing role and future potential of artificial intelligence (AI) in the re/insurance industry, JENOA’s team of experts continues its analysis of the broader picture across AI’s various sub-sets.

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Managing risk in an increasingly VUCA world

April 1, 2025 | London, UK

For insurers, volatility, uncertainty, complexity and ambiguity (VUCA) have long been at the heart of pricing risk; there would be little need for insurance without volatility and uncertainty, and risk managers would be few and far between if we lived in a world without complexity or ambiguity.

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Middle East supply chains: What are the risks?

March 14, 2025 | London, UK

Geopolitics continues to cast a long shadow over both global and MENA supply chains, with ongoing geopolitical issues having caused a certain amount of disruption in the Red Sea and Bab-al-Mandeb Strait regions over the course of 2024.  However, the fragility of supply chains is not caused exclusively by political uncertainty and conflict.

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How brokers are best placed to drive further growth in the Takaful market

March 3, 2025 | London, UK

The traditional role of brokers worldwide has always been to act in the best interests of their clients, and when it comes to Takaful insurance, brokers – with their overview of a wide range of products – have been at the forefront of its growth and sustainability. As they develop the means to further educate clients in the nuances of Takaful insurance, brokers can continue to occupy centre stage and play a leading role in growing it even further.

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Agri-insurance & reinsurance in Morocco: are existing models fit for purpose?

February 10, 2025 | London, UK

Morocco has long been a relative success story and outlier in the Middle East and North Africa (MENA) region in terms of insurance. The country’s agri-insurance sector has, in some shape or form, been around for a long time, but changing weather patterns and future climate change mean that innovative, affordable, and more effective models are likely to experience high demand if the right products are available. Here, we assess the effectiveness of the distinct types of agri-insurance currently available and examine the alternatives that might help reduce risk to deliver better protection for agricultural production within Morocco’s changing climate.

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Emerging markets travel insurance: towards a fully digital model

December 9, 2024 | London, UK

The uptake of travel-insurance products in MENA remains subdued compared to other regions, but the global outlook for emerging markets remains, very positive. In fact, both the MENA and LatAm markets look set to become the most lucrative for travel insurance in the near future. In 2022, the MENA travel insurance market was estimated to be worth over US$ 700m, and by 2030, it will grow to nearly US$ 3.5bn, with an anticipated 80m outbound travellers from the region by the end of the decade.

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Opportunities & risks: the North African insurance market

November 29, 2024 | London, UK

With the exception of one or two outliers , the North African insurance market remains chronically underdeveloped. Yet, while several historical factors in the region have contributed to this current state of affairs – legacy state monopolies, regulatory issues, the conception of a lack of Sharia compliance and an absence of retail credit markets – there remains considerable opportunity for the insurance sector. A more developed insurance sector will help contribute to and foster widespread economic and financial development through risk-management experience and expertise in long-term finance.

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Parametric insurance: How data & technology enable extreme-weather risk cover

October 7, 2024 | London, UK

Parametric, or index-based, insurance has been enjoying renewed popularity, with strong potential to open up new markets and offer wider cover for specific modelled events from which clients may want protection. A missed flight connection, for example, or a rained-off sporting event, can be covered with ease. As long as the risk can be modelled with historic data, policyholders enjoy claims-free automatic, digitalised and instant payouts whenever pre-agreed triggers or indices are met.

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The CrowdStrike outage: what does it mean for the (re)insurance industry?

September 12, 2024 | London, UK

The cybersecurity firm CrowdStrike and its Falcon Sensor software has taken centre stage this summer, but for all the wrong reasons. One simple software update, programmed to seek out malicious cyber threats in what CrowdStrike refers to as ‘part of the dynamic protection mechanisms of the Falcon platform’, caught the world by surprise on Friday July 19th and plunged much of it into total chaos.

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Integrated insurance and how technology can help

July 31, 2024 | London, UK

The insurance and reinsurance industry is in the throes of a revolution in how clients and customers access their products and services. The rise of insurtech and fintech digital platforms in the cloud that offer a secure and integrated customer experience has led the insurance sector to drastically rethink, as insurtech disruptors are showing the established players exactly how to do it. As a result, legacy insurers are quickly learning how to extend their digital product portfolios and enhance appeal among clients in the sales, underwriting and reinsurance segments.

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