
Florian Graillot
January 9, 2026

The first article is an essay I recently published to detail my predictions for this year. I picked three trends which I believe might shape insurance innovation in the near future. One is a pure investor perspective. A second one is tech-driven. While the last one is based on challenges incumbents face. For each of these predictions, I also share insights and data points to support them.
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The second article is a snapshot I shared following an article recently published by Les Echos on reinsurance prices down. In that background, I'm detailing what seems to me as a core challenge for incumbents: growth. This connects the dots with two essays I wrote on tech supporting growth and tech enabling product innovation, while the article also reminds us with the challenge 'emerging risks' raise for both insurers and reinsurers.
The third article, published in The Economist, explores challenges OpenAI - which has developed the famous chatGPT solution - currently face. It raises the question of whether that company could disappear as more of such questions have been raised for a few months, almost since Google unveiled its recent version of Gemini which overtook chatGPT in most benchmark ; and China keeps growing its alternative offer to western LLM.