Every year, insurers impress judges and their industry peers with their inventive ideas at the Efma-Accenture Innovation in Insurance Awards. Three organizations have already earned monthly innovation awards, demonstrating customer-centric approaches to building technology solutions for the digital age.

Customer expectations are changing in the insurance industry. Customers expect more—more convenience, more personalized services, more solutions for the changing transportation, employment and other risk landscapes. The way insurers interact with their customers is changing as well, driven by big tech companies like Google and Amazon that use data-driven insights to elevate customer experiences.

The Efma-Accenture Innovation in Insurance Awards celebrates leading organizations that are adapting to these changes, finding new ways of working and new opportunities for growth. Here are three organizations to watch.

American International Group deploys telematics for safer roads

AIG‘s On the Go app analyzes driving behavior, such as acceleration, speed, braking and cornering, to produce a performance score. While telematics has existed in the insurance industry for a while, AIG noticed success stories were few and chose a different approach. Instead of determining cost by evaluating risks based on past events, they take a proactive approach, using data to detect risk and help customers improve their driving behavior. AIG also made the app available to the general public and integrated gamification and social contests to increase engagement.

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