Our 2026 agenda:
forging the future of insurance

These are the conversations you can't afford to miss

"High value conference that addresses key topics."

Deputy CTO Director (SVP) Strategy and Delivery, Gjensidgie - Norway

Session One: CEO Forum - Success in a changing market

09.00 - 09.05

Opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

09.05 - 09.20

Opening Keynote address

Preparing for a new reality

Bo Krag Esbensen

Group Chief Operating Officer

Alm. Brand Group

09.20 - 09.35

Keynote address

Perspectives on the future of the insurance market in the Nordics

Fredrik Forsstrom

General Manager, Nordics

AIG

09.35 - 09.55

Advisory

Implementing a core system – faster, smarter, without a never-ending program

Helen Kramer

Head of IT and Development Management

Länsförsäkringar

Marcin Pluta

President and Co-Founder

Sollers Consulting

Stefan Ingelgård

Delivery Manager

Länsförsäkringar

09.55 - 10.30

The CEO Forum

Strategies for an era of change and disruption

Between climate, tech, war in Europe and Trumponomics: how the strategy needs to be redefined
Diversification vs concentration on core business: where does the right balance now lie?
The changing shape of the market: how is M&A activity impacting the Nordics insurance market?
Collaboration vs competition: rethinking partnerships and insurance business models
Climate change adaptation: how can insurers take meaningful action?
What role do innovation and transformation have to play in short- to medium-term strategies?

Virva Ojala

Chief Executive Officer

Zurich Denmark

Mark Palmberg

Chief Executive Officer

GF Forsikring

Ursula Clara Deschka

Chief Executive Officer

ERGO Baltics

Nelius Strydom

CEO

Seamless Insure

Stage One - Transformation

11.15 - 11.20

Opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

11.20 - 11.35

Keynote address

Decoding DORA: lessons in compliance so far

Sigrid Floor Toft

Head of Digital Policy

Insurance & Pension Denmark

11.35 - 11.55

Advisory

From core replacement to competitive advantage: the JBF Insurance transformation story

Roelof Derickx

Sales Director, P&C

Keylane

Håkon Hommerstad-Tveit

Director of Product, Data and Analytics

JBF

11.55 - 12.15

Fireside chat

Post-acquisition integration: maximising the synergies

What do M&As to-date reveal about what works and what doesn’t?
Where do the main challenges lie when integrating systems, and how can they be avoided or overcome?
Learning from the Netherlands’ National Interoperability Framework: what would insurers do well to replicate?
The people factor: optimising both efficiency and talent within a merged workforce

Jan Larsen

Head of Commercial Product & Price

If P&C

12.15 - 12.55

Panel discussion

Transformation strategies for the era of AI

Where are the key hurdles preventing the full exploitation of AI?
Overcoming legacy systems: what are the keys to success?
Generative AI: a panacea for coding and software development skill shortages?
The data backbone: how can insurers determine data maturity requirements for their business and tech goals?
Governance, ethics and Model Risk Management: how do practices and policies need to adapt?
Teams, talent and operating models: how can insurers ensure the enterprise is ready for agile AI development?
Cyber security in the AI age: strategies to safeguard operations

Astrid Laukeland

SVP Service and Claims, Corporate Market

Storebrand Forsikring

Roel Soetens

Head of Claims

AXA Belgium

Tommi Kurola

Vice President, Insurance Expert

CGI

Stage Two - Product and Pricing

11.15 - 11.20

Opening remarks

Martin Gregor Schuricht

Founder and Business Advisor

Schuricht Executive

11.20 - 11.40

Fireside chat

Innovating insurance products for the modern customer

Zvonimir Matić

Chief Executive Officer

InCubis

John Glottrup

Head of Product & Service Design

LB Forsikring

11.40 - 12.00

Advisory

Michael Jacobsen

Sales Director, Nordics

Guidewire

12.00 - 12.35

Fireside chat

Pricing trends: navigating the competitive landscape

Keeping pace with changing customer needs: how will products need to evolve?
Insuring intangible assets: what product innovation is required?
Assessing the potential of parametric to write traditionally uninsurable risk
Ever smarter, more tailored offerings: what is the next evolution in the use of data and AI?

Paul Brandstätter

Head of Pricing, Analytics & Claims Management

AXA Germany

Jan Griepentrog

Head of Commercial Product and Price

If P&C

Witold Oleksiewicz

Director, Head of Retail Non Life and Life Tariff Department

UNIQA

Jimmy White

Product Manager

Earnix

Stage Three - Claims

11.15 - 11.20

Opening remarks

Matt Gilham

Director

WHITELK Fraud Performance Consulting

11.20 - 11.35

Keynote address

Caroline Bødker

Director | Claims Leadership

Trygg-Hansa

11.35 - 11.55

Advisory

Challenging the future: how Achmea and Verisk are reforming the personal injury process

Johan Larsson

Chief Product Officer, Nordics

Verisk

Remco Dijcks

Manager Strategy, Digital & Transformation

Achmea Personal Injury

11.55 - 12.20

Fireside chat

Fighting claims fraud in the age of AI

To what extent are fraudsters using AI at scale and what are the implications for insurers?
From cost layering to duplicate claims: how is the fraudster’s modus operandi evolving?
What strategies are key to combatting the rise in deep fakes and shallow fakes?
How can AI tools help improve authentication and verification at scale?
Detecting hidden patterns: how GenAI is being used as advanced insurance fraud detection technology

Katarina Pahlin

Head of Claims

Dina Försäkringar

Hedi Mardisoo

Co-Founder and Chief Executive Officer

Cachet

12.20 - 13.00

Panel discussion

Claims automation: the road to efficiency

Mapping the maturity of claims automation: what levels of sophistication have been reached?
Tackling legacy systems: strategies to effectively integrate new technologies into outdated claims infrastructures
Automating increasingly complex claims: how can AI be leveraged?
Claims leakage: how can automation help identify and prevent it across the claims lifecycle?
The role of the future claims agent: when and where should the human stay in the loop?
Towards no-touch claims: is the industry on track to fully adopt this?

Raimondas Bieliauskas

Head of Motor Claims

ERGO

Viktorija Katilienė

Head of Claims Department Baltics, Gjensidige Baltic

ERGO Group AG

Tobias Bailey

Senior Vice President, Head of Business Development and Digital Claims

If P&C

Andreas Martin

Chief Executive Officer

Upptec

Stage Four - Life

11.15 - 11.20

Opening remarks

Gregor Mandt

Chief Growth Officer

AmTrust Nordic

11.20 - 11.35

Keynote address

Group insurance: incremental innovation in our 100 year product

Stefan Lundberg

Head of Partner and Individual Market

Folksam

11.35 - 11.55

Advisory

Nicolas Marzin

Director, Group AI Strategy & Product

Keylane

11.55 - 12.15

Fireside chat

Building bridges: digital health partnerships that work

Measuring impact: what are the commercial opportunities in digital health collaborations?
Charting the evolutions in HealthTech: where are the most promising areas for insurer engagement?
What kind of data infrastructure and tech agility do insurers need to be an attractive partner?
Integrating health and insurance data: how can partners navigate privacy issues?
Customer-centric innovation: how partnerships are shaping more proactive, preventative models of care

Torgrim Lien

Founder & Chief Executive Officer

Eir Försäkring

Rens Engelen

Head of Bancassurance and Health Insurance

Nationale-Nederlanden

12.15 - 12.55

Leaders' Forum

The future of life insurance

How can life insurers ensure relevance in a world of shifting customer needs?
Assessing the implications of climate change: what does it mean for morbidity and mortality trends?
The policy background: how can public and private interests best be aligned and served?
True personalisation: what’s next in tailored offerings and customer engagement?
An increased focus on mental health: towards holistic wellbeing support
Life and wellness in 2030: is the role of the insurer up for a radical rethink?

Stefan Lundberg

Head of Partner and Individual Market

Folksam

Maja Benko

Executive Director of Personal Insurance (Life, Accident and Pension)

Triglav

Stage One - AI

14.15 - 14.20

Opening remarks

Matt Gilham

Director

WHITELK Fraud Performance Consulting

14.20 - 14.35

Case study

Trygg-Hansa, Proactive protection: AI-driven claims prevention

Fredrik Thuring

Director, EMEA Data Science

WTW

14.35 - 14.55

Advisory

Annemarie Pucher

Chief Executive Officer

Papyrus Software

14.55 - 15.25

Panel discussion

Lessons learnt from work with AI

Where has AI seen the most use so far and where next?
What roadblocks have emerged during adoption and how have they been overcome?
From pilot to production: insights on scaling AI solutions across teams and operations
Demystifying agentic AI: just another buzzword or truly transformative?
What does a truly AI-powered insurer look like?

Gurdeep Chopra

Lead - Center of Enablement

Tryg

Laura Barkatz

Global Lead – Data Strategy

AXA XL

Marcin Kurczab

Innovation & AI Director

PZU Group

Dr Thomas Rodewis

Chief Innovation Officer

Konzern Versicherungskammer

15.25 - 15.45

Advisory

Thorvaldur Flemming Jensen

Vice President, Product & Technology

Scalepoint

15.45 - 16.00

Case study

Scaling AI agents: learnings with Gjensidige

Alexandra Diem

SVP, Data, Analytics & AI

Gjensidige

Stage Two - New Risks and Underwriting

14.15 - 14.20

Opening remarks

Mattias Trostek

Independent Consultant

Agenda | Insurance Innovators Nordics

14.20 - 14.40

Keynote address

Climate adaptation: preparing for extreme weather

Philip Thörn

Chief Sustainability Officer

If P&C

Risk spotlight

Active Cyber Insurance: When underwriting is combined with security and supported by AI

Tine Simonsen

Head of Insurance, Continental Europe

Coalition

15.00 - 15.20

Advisory

15.20 - 15.55

Panel discussion

Unlocking new efficiencies in underwriting: AI in action

How are increasingly advanced AI models already impacting underwriting?
Leveraging predictive analytics: how can AI be used to anticipate risks and enhance decision-making?
Overcoming legacy challenges: what more needs to be done to integrate AI into existing underwriting systems?
From Model Risk Management to transparency to avoiding discrimination: navigating the AI pitfalls
Balancing automation with oversight: when should insurers maintain human expertise?
Achieving buy-in: overcoming cultural resistance to new solutions

Garrett Olson

Global Head of Insurance and Risk Management

Wolt

Stage Three - Predict and Prevent

14.15 - 14.20

Opening remarks

Simen Aasen Engebretsen

Vice President Group Strategy

Gjensidige

14.20 - 14.40

Case study

Storebrand | Building a predict and prevent ecosystem in life insurance

Malin Kvamme Diesen

Head of Strategy and BD

Storebrand Forsikring

14.40 - 15.00

Case study

The Future-Proof Program: revolutionising home insurance

15.00 - 15.20

Advisory

15.20 - 15.55

Panel discussion

The future of predict and prevent: towards meaningful commercial impact

Where has predict and prevent made the most impact in the industry to-date?
Will predict and prevent services become a major revenue source for insurers?
What steps are needed to turn prevention services into scalable and monetisable offerings across lines?
From insight to action: what does it take to turn predictive data into real-world risk reduction?
From higher accuracy to dynamic pricing: how will predict and prevent capabilities enhance the underwriting process?
The climate crisis: how can insurers anticipate and mitigate climate-related risks?
Customising prevention: how can solutions be adapted to fit diverse risk profiles?
Breaking down behavioural barriers: ensuring customer engagement and meaningful behavior change

Ian Slonim

Executive

Vitality

Doede de Waij

Head of Risk Consulting for Nordics & Benelux

AXA XL

Petter Ringstad Leinsaas

Product Manager, Group Personal Insurance

Storebrand Forsikring

Stage One - Customer in a Connected Landscape

16.20 - 16.25

Opening remarks

Mattias Trostek

Independent Consultant

Agenda | Insurance Innovators Nordics

16.25 - 16.40

Case study

Gofido | Embedded, white label insurance

Simon Cederholm

Chief Executive Officer

Gofido Tech

16.40 - 17.00

Advisory

17.00 - 17.20

Fireside chat

Using real-time data to create customer value

Where does real-time data offer the most transformational potential?
From static snapshots to real-time insight: what are the data prerequisites?
Overcoming the technical challenges: from unstructured data to real-time event streaming
Capitalising on the IoT opportunity: what possibilities are opened by the real-time processing of sensor data?

Morten Jorgensen,

Prevention Project Lead

LB Forsikring

Eidmante Gudeleviciute

Head of Private Products

Fremtind

17.20 - 18.00

Panel discussion

A personalisation revolution in insurance

Delivering personalisation in practice: what can be learnt from propositions in financial services to date?
Where are the key opportunities to design more personalised products and interactions?
From data to action: what technical capabilities are required to deliver meaningful personalisation?
A shifting conversation: how will AI take personalisation to the next level?
Assessing FIDA: what possibilities would be opened by a financial services data ecosystem?
Taking personalisation too far: how much is too much?

Girts Ziemanis

Head of Analytics

BALTA

Eeva Tiainen

Nordic Head of Services

If P&C Insurance

Stage Two - Climate Change

16.20 - 16.25

Opening remarks

Sanne Wass

Reporter

Bloomberg News

16.25 - 16.40

Keynote address

The potential of sustainable insurance – and how to get the snowball rolling

Søren Frederiksen

Director of Sustainable Supply Chain

Tryg

16.40 - 17.00

Case study

Zurich | From risk to resilience through climate data

Mikael Karlberg

Head of Resilience Solutions

Zurich

Mikkel Stigaard

Climate Specialist

Zurich

17.00 - 17.40

Panel discussion

Understanding climate change impact: overcoming a lack of historical data

How are the impacts of climate change manifesting across risk portfolios?
How can insurers better predict extreme weather events and energy supply failures?
Measuring exposure: how are AI and advanced analytics changing understanding of climate risk?
From satellites to weather data: which third-party data sources show the most promise for quantifying climate risk?
How must the pricing and underwriting functions evolve to write increasingly volatile risk?
Making decisions in uncertainty: what does good leadership look like when the data isn’t definitive?
Collaborating for resilience: how can insurers, other industries and governments align to build more robust climate intelligence?

Ana Variakojiene

Underwriting Department Director

AAS “BTA Baltic Insurance Company” Lithuania branch

Bente Sverdrup

Director of Sustainability

Gjensidige

Thomas Brenøe

Director

Insurance & Pension Denmark

Lari-Pekka Kyllönen

Chief Underwriter

LähiTapiola

Session Five: CEO Forum - The next age of innovation

09.10 - 09.15

Opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

09.15 - 09.30

Opening Keynote address

Staying ahead: leading in the digital age

Mika Kuusela

Business Chief Information Officer, Insurance

OP Financial Group

09.30 - 09.45

Keynote address

Caroline Farberger

Board Professional and Tech Investor

Agenda | Insurance Innovators Nordics

09.45 - 10.05

Advisory

The next 100 years of innovation

Finn Oskarsson

Regional Director, Nordic

Sapiens

Johan Apelgren

10.05 - 10.45

The CEO Forum

New models, new opportunities: where next?

Swagata Govindan

Chief Executive Officer and Country Manager Scandinavia

AXA Partners

Annika Persson

Claims Director

Trygg-Hansa

Per Widemar

Chief Executive Officer

ICA Försäkring

Paul Wishman

Strategy, Growth and Innovation Director - UK and Europe

DXC Technology

Stage One - Distribution

11.15 - 11.20

Opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

11.20 - 11.35

Keynote address

Navigating the technological future: insurance of the future in a data and (Gen)AI driven world

Evangelos Avramakis

Lead Foresight, Insights & Development

Swiss Re

11.35 - 11.50

Fireside chat

A reinvention of bancassurance? The implications of CRR3

How is bancassurance as a distribution model expected to evolve?
How can banks and insurers better partner to create more personalised, value-driven customer experiences?
CRR3: what is it? What are the implications for insurers?
Unleashing a new wave of bancassurance innovation? Will this be the effect of CRR3?
Looking ahead: what does a viable, future-ready bancassurance model look like?
A holistic financial services platform: the bancassurance end game?

Herman Ouwerkerk

Managing Director Savings, Investments, Bancassurance

NN Group

11.50 - 12.10

Advisory

Bancassurance AI use case with Triglav & Flowx.ai

Maja Benko

Executive Director of Personal Insurance (Life, Accident and Pension)

Triglav

Tanja Blatnik

Vice President EMEA - Insurance

FlowX.AI

12.10 - 12.25

Tryg - Selling Smarter with AI

Karl Ove Aarbu

Director & Tech Lead

Tryg

12.25 - 13.00

Panel discussion

Understanding the future of ecosystems in the Nordics

What are examples of ecosystem innovation and what lessons can be drawn from them?
Where are the key hurdles preventing innovation and how can they be overcome?
Beyond the hype: how significant will ecosystems really become in the Nordics and Baltics?
FIDA and the future: how will data-sharing regulation reshape insurers’ ability to create and participate in ecosystems?
Embed or orchestrate: should insurers aim to enter or create ecosystems?
Could trends toward consumer data ownership supercharge ecosystem innovation?

Evangelos Avramakis

Lead Foresight, Insights & Development

Swiss Re

Patrik Garshol

Director, Strategic Partnerships

Gjensidige

Tamer Yigit

Head of Ecosystems, Innovation and New Businesses

VIG

Stage Two - Motor

11.15 - 11.20

Opening remarks

Hedi Mardisoo

Co-Founder and Chief Executive Officer

Cachet

11.20 - 11.35

Keynote address

When the road turns to ice

Heli Vuori

Service Director

LähiTapiola

11.35 - 11.50

Case study

Carbucks | Motor claims innovation with Carbucks

Bjarke Marcell

Chief Development Officer and Founder

Carbucks

11.50 - 12.10

Advisory

David Morris

Director of Business Development Northern Europe

Bdeo

12.10 - 12.45

Panel discussion

Connected cars: assessing the opportunities

To what extent do connected vehicles represent an untapped data goldmine?
From risk assessment to value-adds: will connected cars open the door to new personalised and preventative services?
Assessing the impact of the EU Data Act: is data accessibility regulation opening access to connected car data so far? Will it?
How can insurers collaborate with OEMs to access data and co-create services?
How can insurers secure consent from customers to use data?

Václav Geletič

Executive Board Member

Halali Insurance

Kjell-Jakob Krohn

Strategic Business Development Manager

Tryg

Saulius Švirmickas

Head of Claims Digital Solutions and Controls, ADB Gjensidige

ERGO Group AG

Stage Three - Disruptors

11.15 - 11.20

Opening remarks

11.20 - 11.30

Case study

Daniel Borup

Founder and Chief Executive Officer

Plain Insurance

11.30 - 11.40

Case study

Laurent Feuilleaubois

Co-Founder and Chief Executive Officer

Mitigrate

11.40 - 11.55

Case study

ERGO | Rolling out AI-based inspection

Bessem Ayari

Head of Innovation, Strategy & Scouting

ERGO

11.55 - 12.05

Pitch

Oliver Fjellvang

Chief Executive Officer

Cleardox

12.05 - 12.15

Case study

WeGroup | How WeGroup is transforming the distribution landscape in Western Europe | WeGroup

Arvid De Coster

Chief Executive Officer and Co-Founder

WeGroup

12.15 - 12.25

Pitch

Filippa Granting

Chief Commercial Officer

Waytobill

12.25 - 12.35

Case study

Bsurance | Embedded insurance is moving fast: how to launch without rebuilding everything

Emmanuel Cheret

Chief Executive Officer

bsurance

Pitch

Stage Four - Life

11.15 - 11.20

Opening remarks

11.20 - 11.35

Interview

A spotlight on women’s health

Line Dalsfort

Head of Development

Sygeforsikringen Danmark

11.35 - 11.55

Case study

If P&C | Mental health in the Nordics: insights, peoples’ expectations, solutions

Kristina Ström Olsson

Nordic Health Communication Strategist Lead

If P&C

11.55 - 12.15

Advisory

12.15 - 12.50

Panel discussion

Addressing long-term absence: what is the role of the insurer?

Ari Kaukiainen

Chief Medical Director

LähiTapiola

Simone Zeitler Pehn

Head of Claims TAE - Health & Care

Dancia

Kristina Ström Olsson

Nordic Health Communication Strategist Lead

If P&C

Session Seven: Envisioning the future of insurance

14.05 - 14.10

Opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

14.10 - 14.20

Presentation

Climate resilience and the future of insurability

Marc Lehmann

Head of Physical Climate Risk Advisory

Howden

14.20 - 14.30

Presentation

The agentic insurer - the art of the possible

Dr Magdalena Ramada Sarasola

Senior Director, Insurtech Innovation Leader

WTW

14.30 - 15.00

Closing panel

European Insurance Outlook for 2036

Our three futurist presenters will sit down together to discuss their presentations, take questions, and draw up an image of insurance, and the world, in 2035.

Dr Magdalena Ramada Sarasola

Senior Director, Insurtech Innovation Leader

WTW

Marc Lehmann

Head of Physical Climate Risk Advisory

Howden

Session One: CEO Forum - Success in a changing market

09.00 - 09.05

Opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

09.05 - 09.20

Opening Keynote address

Preparing for a new reality

Bo Krag Esbensen

Group Chief Operating Officer

Alm. Brand Group

09.20 - 09.35

Keynote address

Perspectives on the future of the insurance market in the Nordics

Fredrik Forsstrom

General Manager, Nordics

AIG

09.35 - 09.55

Advisory

Implementing a core system – faster, smarter, without a never-ending program

Helen Kramer

Head of IT and Development Management

Länsförsäkringar

Marcin Pluta

President and Co-Founder

Sollers Consulting

Stefan Ingelgård

Delivery Manager

Länsförsäkringar

09.55 - 10.30

The CEO Forum

Strategies for an era of change and disruption

Between climate, tech, war in Europe and Trumponomics: how the strategy needs to be redefined
Diversification vs concentration on core business: where does the right balance now lie?
The changing shape of the market: how is M&A activity impacting the Nordics insurance market?
Collaboration vs competition: rethinking partnerships and insurance business models
Climate change adaptation: how can insurers take meaningful action?
What role do innovation and transformation have to play in short- to medium-term strategies?

Virva Ojala

Chief Executive Officer

Zurich Denmark

Mark Palmberg

Chief Executive Officer

GF Forsikring

Ursula Clara Deschka

Chief Executive Officer

ERGO Baltics

Nelius Strydom

CEO

Seamless Insure

Stage One - Transformation

11.15 - 11.20

Opening remarks

Sara Sjölin

Copenhagen Bureau Chief

Bloomberg News

11.20 - 11.35

Keynote address

Decoding DORA: lessons in compliance so far

Sigrid Floor Toft

Head of Digital Policy

Insurance & Pension Denmark

11.35 - 11.55

Advisory

From core replacement to competitive advantage: the JBF Insurance transformation story

Roelof Derickx

Sales Director, P&C

Keylane

Håkon Hommerstad-Tveit

Director of Product, Data and Analytics

JBF

11.55 - 12.15

Fireside chat

Post-acquisition integration: maximising the synergies

What do M&As to-date reveal about what works and what doesn’t?
Where do the main challenges lie when integrating systems, and how can they be avoided or overcome?
Learning from the Netherlands’ National Interoperability Framework: what would insurers do well to replicate?
The people factor: optimising both efficiency and talent within a merged workforce

Jan Larsen

Head of Commercial Product & Price

If P&C

12.15 - 12.55

Panel discussion

Transformation strategies for the era of AI

Where are the key hurdles preventing the full exploitation of AI?
Overcoming legacy systems: what are the keys to success?
Generative AI: a panacea for coding and software development skill shortages?
The data backbone: how can insurers determine data maturity requirements for their business and tech goals?
Governance, ethics and Model Risk Management: how do practices and policies need to adapt?
Teams, talent and operating models: how can insurers ensure the enterprise is ready for agile AI development?
Cyber security in the AI age: strategies to safeguard operations

Astrid Laukeland

SVP Service and Claims, Corporate Market

Storebrand Forsikring

Roel Soetens

Head of Claims

AXA Belgium

Tommi Kurola

Vice President, Insurance Expert

CGI

Stage Two - Product and Pricing

11.15 - 11.20

Opening remarks

Martin Gregor Schuricht

Founder and Business Advisor

Schuricht Executive

11.20 - 11.40

Fireside chat

Innovating insurance products for the modern customer

Zvonimir Matić

Chief Executive Officer

InCubis

John Glottrup

Head of Product & Service Design

LB Forsikring

11.40 - 12.00

Advisory

Michael Jacobsen

Sales Director, Nordics

Guidewire

12.00 - 12.35

Fireside chat

Pricing trends: navigating the competitive landscape

Keeping pace with changing customer needs: how will products need to evolve?
Insuring intangible assets: what product innovation is required?
Assessing the potential of parametric to write traditionally uninsurable risk
Ever smarter, more tailored offerings: what is the next evolution in the use of data and AI?

Paul Brandstätter

Head of Pricing, Analytics & Claims Management

AXA Germany

Jan Griepentrog

Head of Commercial Product and Price

If P&C

Witold Oleksiewicz

Director, Head of Retail Non Life and Life Tariff Department

UNIQA

Jimmy White

Product Manager

Earnix

Stage Three - Claims

11.15 - 11.20

Opening remarks

Matt Gilham

Director

WHITELK Fraud Performance Consulting

11.20 - 11.35

Keynote address

Caroline Bødker

Director | Claims Leadership

Trygg-Hansa

11.35 - 11.55

Advisory

Challenging the future: how Achmea and Verisk are reforming the personal injury process

Johan Larsson

Chief Product Officer, Nordics

Verisk

Remco Dijcks

Manager Strategy, Digital & Transformation

Achmea Personal Injury

11.55 - 12.20

Fireside chat

Fighting claims fraud in the age of AI

To what extent are fraudsters using AI at scale and what are the implications for insurers?
From cost layering to duplicate claims: how is the fraudster’s modus operandi evolving?
What strategies are key to combatting the rise in deep fakes and shallow fakes?
How can AI tools help improve authentication and verification at scale?
Detecting hidden patterns: how GenAI is being used as advanced insurance fraud detection technology

Katarina Pahlin

Head of Claims

Dina Försäkringar

Hedi Mardisoo

Co-Founder and Chief Executive Officer

Cachet

12.20 - 13.00

Panel discussion

Claims automation: the road to efficiency

Mapping the maturity of claims automation: what levels of sophistication have been reached?
Tackling legacy systems: strategies to effectively integrate new technologies into outdated claims infrastructures
Automating increasingly complex claims: how can AI be leveraged?
Claims leakage: how can automation help identify and prevent it across the claims lifecycle?
The role of the future claims agent: when and where should the human stay in the loop?
Towards no-touch claims: is the industry on track to fully adopt this?

Raimondas Bieliauskas

Head of Motor Claims

ERGO

Viktorija Katilienė

Head of Claims Department Baltics, Gjensidige Baltic

ERGO Group AG

Tobias Bailey

Senior Vice President, Head of Business Development and Digital Claims

If P&C

Andreas Martin

Chief Executive Officer

Upptec

Stage Four - Life

11.15 - 11.20

Opening remarks

Gregor Mandt

Chief Growth Officer

AmTrust Nordic

11.20 - 11.35

Keynote address

Group insurance: incremental innovation in our 100 year product

Stefan Lundberg

Head of Partner and Individual Market

Folksam

11.35 - 11.55

Advisory

Nicolas Marzin

Director, Group AI Strategy & Product

Keylane

11.55 - 12.15

Fireside chat

Building bridges: digital health partnerships that work

Measuring impact: what are the commercial opportunities in digital health collaborations?
Charting the evolutions in HealthTech: where are the most promising areas for insurer engagement?
What kind of data infrastructure and tech agility do insurers need to be an attractive partner?
Integrating health and insurance data: how can partners navigate privacy issues?
Customer-centric innovation: how partnerships are shaping more proactive, preventative models of care

Torgrim Lien

Founder & Chief Executive Officer

Eir Försäkring

Rens Engelen

Head of Bancassurance and Health Insurance

Nationale-Nederlanden

12.15 - 12.55

Leaders' Forum

The future of life insurance

How can life insurers ensure relevance in a world of shifting customer needs?
Assessing the implications of climate change: what does it mean for morbidity and mortality trends?
The policy background: how can public and private interests best be aligned and served?
True personalisation: what’s next in tailored offerings and customer engagement?
An increased focus on mental health: towards holistic wellbeing support
Life and wellness in 2030: is the role of the insurer up for a radical rethink?

Stefan Lundberg

Head of Partner and Individual Market

Folksam

Maja Benko

Executive Director of Personal Insurance (Life, Accident and Pension)

Triglav

Stage One - AI

14.15 - 14.20

Opening remarks

Matt Gilham

Director

WHITELK Fraud Performance Consulting

14.20 - 14.35

Case study

Trygg-Hansa, Proactive protection: AI-driven claims prevention

Fredrik Thuring

Director, EMEA Data Science

WTW

14.35 - 14.55

Advisory

Annemarie Pucher

Chief Executive Officer

Papyrus Software

14.55 - 15.25

Panel discussion

Lessons learnt from work with AI

Where has AI seen the most use so far and where next?
What roadblocks have emerged during adoption and how have they been overcome?
From pilot to production: insights on scaling AI solutions across teams and operations
Demystifying agentic AI: just another buzzword or truly transformative?
What does a truly AI-powered insurer look like?

Gurdeep Chopra

Lead - Center of Enablement

Tryg

Laura Barkatz

Global Lead – Data Strategy

AXA XL

Marcin Kurczab

Innovation & AI Director

PZU Group

Dr Thomas Rodewis

Chief Innovation Officer

Konzern Versicherungskammer

15.25 - 15.45

Advisory

Thorvaldur Flemming Jensen

Vice President, Product & Technology

Scalepoint

15.45 - 16.00

Case study

Scaling AI agents: learnings with Gjensidige

Alexandra Diem

SVP, Data, Analytics & AI

Gjensidige

Stage Two - New Risks and Underwriting

14.15 - 14.20

Opening remarks

Mattias Trostek

Independent Consultant

Agenda | Insurance Innovators Nordics

14.20 - 14.40

Keynote address

Climate adaptation: preparing for extreme weather

Philip Thörn

Chief Sustainability Officer

If P&C

Risk spotlight

Active Cyber Insurance: When underwriting is combined with security and supported by AI

Tine Simonsen

Head of Insurance, Continental Europe

Coalition

15.00 - 15.20

Advisory

15.20 - 15.55

Panel discussion

Unlocking new efficiencies in underwriting: AI in action

How are increasingly advanced AI models already impacting underwriting?
Leveraging predictive analytics: how can AI be used to anticipate risks and enhance decision-making?
Overcoming legacy challenges: what more needs to be done to integrate AI into existing underwriting systems?
From Model Risk Management to transparency to avoiding discrimination: navigating the AI pitfalls
Balancing automation with oversight: when should insurers maintain human expertise?
Achieving buy-in: overcoming cultural resistance to new solutions

Garrett Olson

Global Head of Insurance and Risk Management

Wolt

Stage Three - Predict and Prevent

14.15 - 14.20

Opening remarks

Simen Aasen Engebretsen

Vice President Group Strategy

Gjensidige

14.20 - 14.40

Case study

Storebrand | Building a predict and prevent ecosystem in life insurance

Malin Kvamme Diesen

Head of Strategy and BD

Storebrand Forsikring

14.40 - 15.00

Case study

The Future-Proof Program: revolutionising home insurance

15.00 - 15.20

Advisory

15.20 - 15.55

Panel discussion

The future of predict and prevent: towards meaningful commercial impact

Where has predict and prevent made the most impact in the industry to-date?
Will predict and prevent services become a major revenue source for insurers?
What steps are needed to turn prevention services into scalable and monetisable offerings across lines?
From insight to action: what does it take to turn predictive data into real-world risk reduction?
From higher accuracy to dynamic pricing: how will predict and prevent capabilities enhance the underwriting process?
The climate crisis: how can insurers anticipate and mitigate climate-related risks?
Customising prevention: how can solutions be adapted to fit diverse risk profiles?
Breaking down behavioural barriers: ensuring customer engagement and meaningful behavior change

Ian Slonim

Executive

Vitality

Doede de Waij

Head of Risk Consulting for Nordics & Benelux

AXA XL

Petter Ringstad Leinsaas

Product Manager, Group Personal Insurance

Storebrand Forsikring

Stage One - Customer in a Connected Landscape

16.20 - 16.25

Opening remarks

Mattias Trostek

Independent Consultant

Agenda | Insurance Innovators Nordics

16.25 - 16.40

Case study

Gofido | Embedded, white label insurance

Simon Cederholm

Chief Executive Officer

Gofido Tech

16.40 - 17.00

Advisory

17.00 - 17.20

Fireside chat

Using real-time data to create customer value

Where does real-time data offer the most transformational potential?
From static snapshots to real-time insight: what are the data prerequisites?
Overcoming the technical challenges: from unstructured data to real-time event streaming
Capitalising on the IoT opportunity: what possibilities are opened by the real-time processing of sensor data?

Morten Jorgensen,

Prevention Project Lead

LB Forsikring

Eidmante Gudeleviciute

Head of Private Products

Fremtind

17.20 - 18.00

Panel discussion

A personalisation revolution in insurance

Delivering personalisation in practice: what can be learnt from propositions in financial services to date?
Where are the key opportunities to design more personalised products and interactions?
From data to action: what technical capabilities are required to deliver meaningful personalisation?
A shifting conversation: how will AI take personalisation to the next level?
Assessing FIDA: what possibilities would be opened by a financial services data ecosystem?
Taking personalisation too far: how much is too much?

Girts Ziemanis

Head of Analytics

BALTA

Eeva Tiainen

Nordic Head of Services

If P&C Insurance

Stage Two - Climate Change

16.20 - 16.25

Opening remarks

Sanne Wass

Reporter

Bloomberg News

16.25 - 16.40

Keynote address

The potential of sustainable insurance – and how to get the snowball rolling

Søren Frederiksen

Director of Sustainable Supply Chain

Tryg

16.40 - 17.00

Case study

Zurich | From risk to resilience through climate data

Mikael Karlberg

Head of Resilience Solutions

Zurich

Mikkel Stigaard

Climate Specialist

Zurich

17.00 - 17.40

Panel discussion

Understanding climate change impact: overcoming a lack of historical data

How are the impacts of climate change manifesting across risk portfolios?
How can insurers better predict extreme weather events and energy supply failures?
Measuring exposure: how are AI and advanced analytics changing understanding of climate risk?
From satellites to weather data: which third-party data sources show the most promise for quantifying climate risk?
How must the pricing and underwriting functions evolve to write increasingly volatile risk?
Making decisions in uncertainty: what does good leadership look like when the data isn’t definitive?
Collaborating for resilience: how can insurers, other industries and governments align to build more robust climate intelligence?

Ana Variakojiene

Underwriting Department Director

AAS “BTA Baltic Insurance Company” Lithuania branch

Bente Sverdrup

Director of Sustainability

Gjensidige

Thomas Brenøe

Director

Insurance & Pension Denmark

Lari-Pekka Kyllönen

Chief Underwriter

LähiTapiola

Session Five: CEO Forum - The next age of innovation

09.10 - 09.15

Opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

09.15 - 09.30

Opening Keynote address

Staying ahead: leading in the digital age

Mika Kuusela

Business Chief Information Officer, Insurance

OP Financial Group

09.30 - 09.45

Keynote address

Caroline Farberger

Board Professional and Tech Investor

Agenda | Insurance Innovators Nordics

09.45 - 10.05

Advisory

The next 100 years of innovation

Finn Oskarsson

Regional Director, Nordic

Sapiens

Johan Apelgren

10.05 - 10.45

The CEO Forum

New models, new opportunities: where next?

Swagata Govindan

Chief Executive Officer and Country Manager Scandinavia

AXA Partners

Annika Persson

Claims Director

Trygg-Hansa

Per Widemar

Chief Executive Officer

ICA Försäkring

Paul Wishman

Strategy, Growth and Innovation Director - UK and Europe

DXC Technology

Stage One - Distribution

11.15 - 11.20

Opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

11.20 - 11.35

Keynote address

Navigating the technological future: insurance of the future in a data and (Gen)AI driven world

Evangelos Avramakis

Lead Foresight, Insights & Development

Swiss Re

11.35 - 11.50

Fireside chat

A reinvention of bancassurance? The implications of CRR3

How is bancassurance as a distribution model expected to evolve?
How can banks and insurers better partner to create more personalised, value-driven customer experiences?
CRR3: what is it? What are the implications for insurers?
Unleashing a new wave of bancassurance innovation? Will this be the effect of CRR3?
Looking ahead: what does a viable, future-ready bancassurance model look like?
A holistic financial services platform: the bancassurance end game?

Herman Ouwerkerk

Managing Director Savings, Investments, Bancassurance

NN Group

11.50 - 12.10

Advisory

Bancassurance AI use case with Triglav & Flowx.ai

Maja Benko

Executive Director of Personal Insurance (Life, Accident and Pension)

Triglav

Tanja Blatnik

Vice President EMEA - Insurance

FlowX.AI

12.10 - 12.25

Tryg - Selling Smarter with AI

Karl Ove Aarbu

Director & Tech Lead

Tryg

12.25 - 13.00

Panel discussion

Understanding the future of ecosystems in the Nordics

What are examples of ecosystem innovation and what lessons can be drawn from them?
Where are the key hurdles preventing innovation and how can they be overcome?
Beyond the hype: how significant will ecosystems really become in the Nordics and Baltics?
FIDA and the future: how will data-sharing regulation reshape insurers’ ability to create and participate in ecosystems?
Embed or orchestrate: should insurers aim to enter or create ecosystems?
Could trends toward consumer data ownership supercharge ecosystem innovation?

Evangelos Avramakis

Lead Foresight, Insights & Development

Swiss Re

Patrik Garshol

Director, Strategic Partnerships

Gjensidige

Tamer Yigit

Head of Ecosystems, Innovation and New Businesses

VIG

Stage Two - Motor

11.15 - 11.20

Opening remarks

Hedi Mardisoo

Co-Founder and Chief Executive Officer

Cachet

11.20 - 11.35

Keynote address

When the road turns to ice

Heli Vuori

Service Director

LähiTapiola

11.35 - 11.50

Case study

Carbucks | Motor claims innovation with Carbucks

Bjarke Marcell

Chief Development Officer and Founder

Carbucks

11.50 - 12.10

Advisory

David Morris

Director of Business Development Northern Europe

Bdeo

12.10 - 12.45

Panel discussion

Connected cars: assessing the opportunities

To what extent do connected vehicles represent an untapped data goldmine?
From risk assessment to value-adds: will connected cars open the door to new personalised and preventative services?
Assessing the impact of the EU Data Act: is data accessibility regulation opening access to connected car data so far? Will it?
How can insurers collaborate with OEMs to access data and co-create services?
How can insurers secure consent from customers to use data?

Václav Geletič

Executive Board Member

Halali Insurance

Kjell-Jakob Krohn

Strategic Business Development Manager

Tryg

Saulius Švirmickas

Head of Claims Digital Solutions and Controls, ADB Gjensidige

ERGO Group AG

Stage Three - Disruptors

11.15 - 11.20

Opening remarks

11.20 - 11.30

Case study

Daniel Borup

Founder and Chief Executive Officer

Plain Insurance

11.30 - 11.40

Case study

Laurent Feuilleaubois

Co-Founder and Chief Executive Officer

Mitigrate

11.40 - 11.55

Case study

ERGO | Rolling out AI-based inspection

Bessem Ayari

Head of Innovation, Strategy & Scouting

ERGO

11.55 - 12.05

Pitch

Oliver Fjellvang

Chief Executive Officer

Cleardox

12.05 - 12.15

Case study

WeGroup | How WeGroup is transforming the distribution landscape in Western Europe | WeGroup

Arvid De Coster

Chief Executive Officer and Co-Founder

WeGroup

12.15 - 12.25

Pitch

Filippa Granting

Chief Commercial Officer

Waytobill

12.25 - 12.35

Case study

Bsurance | Embedded insurance is moving fast: how to launch without rebuilding everything

Emmanuel Cheret

Chief Executive Officer

bsurance

Pitch

Stage Four - Life

11.15 - 11.20

Opening remarks

11.20 - 11.35

Interview

A spotlight on women’s health

Line Dalsfort

Head of Development

Sygeforsikringen Danmark

11.35 - 11.55

Case study

If P&C | Mental health in the Nordics: insights, peoples’ expectations, solutions

Kristina Ström Olsson

Nordic Health Communication Strategist Lead

If P&C

11.55 - 12.15

Advisory

12.15 - 12.50

Panel discussion

Addressing long-term absence: what is the role of the insurer?

Ari Kaukiainen

Chief Medical Director

LähiTapiola

Simone Zeitler Pehn

Head of Claims TAE - Health & Care

Dancia

Kristina Ström Olsson

Nordic Health Communication Strategist Lead

If P&C

Session Seven: Envisioning the future of insurance

14.05 - 14.10

Opening remarks

Peter Nordgaard

Associate Professor, Executive Finance & Economics

AVT Business School

14.10 - 14.20

Presentation

Climate resilience and the future of insurability

Marc Lehmann

Head of Physical Climate Risk Advisory

Howden

14.20 - 14.30

Presentation

The agentic insurer - the art of the possible

Dr Magdalena Ramada Sarasola

Senior Director, Insurtech Innovation Leader

WTW

14.30 - 15.00

Closing panel

European Insurance Outlook for 2036

Our three futurist presenters will sit down together to discuss their presentations, take questions, and draw up an image of insurance, and the world, in 2035.

Dr Magdalena Ramada Sarasola

Senior Director, Insurtech Innovation Leader

WTW

Marc Lehmann

Head of Physical Climate Risk Advisory

Howden

What to expect from Insurance Innovators Nordics 2026

Day 1

The CEO forum - Success in a Changing Market

Preparing for a changing climate | Impact of a shifting global economy | Strategies for an era of disruption

STAGE 1

Transformation

Decoding DORA| Post-acquisition integration| Transformation strategies in AI

STAGE 2

Product and Pricing

Innovating insurance products for the modern customer | Tryg on AI-based pricing | Pricing trends: navigating the competitive landscape

STAGE 3

Claims

Fighting claims fraud in the age of AI | Overcoming supply chain challenges | Mapping claims automation

STAGE 4

Life

Renewing relevance in life insurance | Successful digital health partnerships | Adapting to shifting health and customer needs

STAGE 1

AI

The future of AI regulation | Insights from adoption | Scaling agents at Gjensidige | AI-powered claims prevention at Trygg-Hansa

STAGE 2

New Risks in Underwriting

Climate adaptation | Cyber risk spotlight | Unlocking new efficiencies in underwriting

STAGE 3

Predict & Prevent

Storebrand’s predict & prevent ecosystem in life | Scaling predict & prevent for impact and revenue

STAGE 1

Customer in a Connected Landscape

The importance of FIDA | Using real-time data to create value | The personalisation revolution

STAGE 2

Climate Change

Future of sustainable insurance| Insights from Zurich on climate data | Overcoming a lack of historical data

After Party

Join us at the Official Insurance Innovators Nordics After Party! Carry on the conversations into the evening and make those all-important connections. Grab a cocktail and a canapé as you network the night away.

Day 2

CEO Forum - The Next Age of Innovation

Leading in a digital age | New models, new opportunities | Unlocking new innovations

STAGE 1

Distribution

Embedded insurance | Future of bancassurance:| CRR3 and the next wave of innovation | The future of ecosystems in the Nordics

STAGE 2

Motor

Changing car ownership | Autonomous vehicles | Connected cars and the data opportunity

STAGE 3

Disruptors

Discover the newest insurtechs and disruptors on the scene, and how they’re leading the innovation charge.

STAGE 4

Life

Women's health spotlight| Scalable mental health solutions| Role of the insurer for long-term absence

Envisioning the Future of Insurance

Changing data ownership: what will it mean for insurers? | Systemic risk: imagining potential scenarios | Insurance in 2035

Download the full agenda to plan your II Nordics experience. Ensure you don’t miss any sessions relevant to your interests and professional goals.

Our 2026 agenda: forging the future of insurance

"High value conference that addresses key topics."

Deputy CTO Director (SVP) Strategy and Delivery, Gjensidgie - Norway

Session One: CEO Forum - Success in a changing market

Sara Sjölin

Preparing for a new reality

Bo Krag Esbensen

Perspectives on the future of the insurance market in the Nordics

Fredrik Forsstrom

Implementing a core system – faster, smarter, without a never-ending program

Helen Kramer

Marcin Pluta

Stefan Ingelgård

Strategies for an era of change and disruption

Virva Ojala

Mark Palmberg

Ursula Clara Deschka

Nelius Strydom

Stage One - Transformation

Sara Sjölin

Decoding DORA: lessons in compliance so far

Sigrid Floor Toft

From core replacement to competitive advantage: the JBF Insurance transformation story

Roelof Derickx

Håkon Hommerstad-Tveit

Post-acquisition integration: maximising the synergies

Jan Larsen

Transformation strategies for the era of AI

Astrid Laukeland

Roel Soetens

Tommi Kurola

Stage Two - Product and Pricing

Martin Gregor Schuricht

Innovating insurance products for the modern customer

Zvonimir Matić

John Glottrup

Michael Jacobsen

Pricing trends: navigating the competitive landscape

Paul Brandstätter

Jan Griepentrog

Witold Oleksiewicz

Jimmy White

Stage Three - Claims

Matt Gilham

Caroline Bødker

Challenging the future: how Achmea and Verisk are reforming the personal injury process

Johan Larsson

Remco Dijcks

Fighting claims fraud in the age of AI

Katarina Pahlin

Hedi Mardisoo

Claims automation: the road to efficiency

Raimondas Bieliauskas

Viktorija Katilienė

Tobias Bailey

Andreas Martin

Stage Four - Life

Gregor Mandt

Group insurance: incremental innovation in our 100 year product

Stefan Lundberg

Nicolas Marzin

Building bridges: digital health partnerships that work

Torgrim Lien

Rens Engelen

The future of life insurance

Stefan Lundberg

Maja Benko

Stage One - AI

Matt Gilham

Trygg-Hansa, Proactive protection: AI-driven claims prevention

Fredrik Thuring

Annemarie Pucher

Lessons learnt from work with AI

Gurdeep Chopra

Laura Barkatz

Our 2026 agenda:
forging the future of insurance