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WHAT WE MODEL
A policyholder or prospect choosing protection often decides with an adviser or online.
It's an infrequent decision based on low trust and many thing affect it: the proposition and its message, the price, the brand, and the adviser.
For insurers, the questions are: which product to bring to market next, and how policyholders will react to it.
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THE PROBLEM
47% consider a life policy. Interest is not the issue.
42% of them end up confused or unconvinced by what they find.
One in four abandon the purchase before they finish it.
Half of all lapses happen by year three. The ones who do buy do not all stay.
01
They get lost on the way in.
Affordability still leads the stated barriers at 35% — but 37% say what they find is too technical or full of jargon. One in four walk away before they finish.
02
Growth has stopped doing the work.
Premium growth has fallen from 5.2% to 2.0%, and life from 6.1% to 2.4%. In a softening market, product innovation is one of the few routes left.
03
Anything called AI now drags in compliance.
Under the EU AI Act, AI that prices life or health risk is high-risk — conformity assessment, a fundamental-rights assessment, logging, human oversight, from December 2027.
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ALGOVERDE SOLUTIONS
NEW PRODUCT CONCEPT TESTING
Which product to bring to market next and how will policyholders react to it?
Launch, rework or drop, decided before the product committee meets rather than argued in the room.
MESSAGE TESTING
How do we get brokers to sell our products and customers to finish reading?
The message, settled before the campaign and the adviser scripts commit. Which words survive contact with the customer, and which ones lose them.
NEW CUSTOMERS
Who are we not winning, and through which channel?
The next segment, and the route to reach it.
The adviser, not just the campaign.
85% of buyers still want an adviser somewhere in the process. What the adviser says when the question comes gets tested with the same rigour as the campaign that sent the lead — because that conversation is where the sale is actually won or lost.
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PROOF
The concept was run against modelled policyholders ahead of the product committee. Launch, rework or drop on evidence rather than on the room.
We’ll run it against modelled policyholders and tell you how they react, while launch and rework are all still on the table.
Want to know more? Check out our FAQ section for everything you need to know about working with AlgoVerde.
What is AI market research for education?
AI market research for education uses modelled learners and members to test program, service and knowledge decisions before launch. AlgoVerde applies this approach to questions such as program demand, member needs and knowledge monetisation.
How can institutions test a new education program before launch?
AlgoVerde can test a proposed program against modelled learners and members, including the audiences that are missing and the factors that would move them, before faculty time and marketing spend are committed.
How can associations explore knowledge and data monetisation?
AlgoVerde can test which guidelines, datasets, programs or credentials may create new revenue, in what form and at what price, before the institution commits to a launch model.
Can AlgoVerde work when the target audience is difficult to survey?
Yes. In the education examples supplied, AlgoVerde modelled audiences that could not be surveyed directly, including executive-education demand and members in training, so decisions could be tested earlie