Insurance Couch Podcast · 2026-06-02 · 58 min
Get Your Insurance Fix on “The Insurance Couch” Podcast! Join Oliver Lang , former CEO of InsurTech Unicorn Wefox/One Insurance, supervisory board member and advisor and Nikolaus Sühr, Co-Founder and CEO of InsurTech enabler KASKO as they bring you unique insights from their experiences in the insurance world. In this episode they explore a growing challenge in insurance: what happens when personal advice disappears before a viable replacement exists. Using disability insurance in Germany as a case study, they unpack the trade-offs between personal advice, mandatory insurance models, opt-out systems, and the future role of regulators and insurers. Here are the key takeaways: Delegating insurance decisions to human advisers is by far the most effective insurance sales mechanism. Despite that, significant protection gaps still remain across many markets. Mandatory insurance and opt-out models can help close those gaps. If regulators want to reduce or eliminate insurance distribution costs, they must eliminate choice, which means aiming for a monopoly or oligopoly.
The Insurance Couch Podcast - Employee benefits: Why activation matters more than cost (1/3)69 / 100The Insurance Couch Podcast - Can broker trust be sold? The insurance M&A blind spotThe Insurance Couch Podcast - Insurance sales: Why delegation beats self-service (3/4)The Insurance Couch Podcast - Insurance sales: Will AI, influencers & brands replace agents? (2/4)The Insurance Couch Podcast - Insurance sales: Why agents still win in a digital world (1/4)