Now, as you may know, insurance is broadly split into two areas.

On the one hand, there is property and casualty known as

PNC, and casualty refers to quite a wide-ranging set of coverage of which one of the largest

is liabilities, by the way. On the other hand, we have life and health, and we've done quite a bit

with life and health insurers and the companies bringing new technologies into

that space over the last few years. And we're delighted to have Jen Re as one of our corporate

members. And this is a rare chance to hear directly from one of the senior executives of a

major insurance company about how they think about innovation, what they're doing with their

partners and what the top

themes are that they're interested in this space. Lots of great information in this one.

And if it's your first time to the podcast, well, I'm Matthew Grant, one of the two partners

at Internet London and delighted to have you joining us. And of course, if you're one of our

old friends taking us along with you, whatever we're up to today, well, thanks for inviting us back. It's people like you that make

this worthwhile. Now, over to Andres.

Andrews, delighted to have you joining me. I know you've got a huge amount going on and looking forward to hearing some of that over the next 30 minutes or so.

Now, you've been at January for 27 years. You've worked around the world, looks like includes South Africa, Singapore, Australia.

You're now back in Cologne in head office and you've had a diverse set of roles as well as product manager

research and development general manager but today you are the global chief underwriting officer

for life and health for January but you've also got responsibilities for the company's

research and development so welcome really intrigued to learn more about what you're doing

thank you Matthew nice to be at Insuretic.

Now, it's always really interesting to know how people ended up in insurance. It looks like you've had your

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