Winning in A&H Insurance: New Tinubu Whitepaper

Tinubu has published a new whitepaper by Vinod Kachroo, General Manager: Winning in A&H: Simplifying Complexity to Capture Growth.

A high-potential market held back by complexity

Accident & Health insurance is one of the industry's most underleveraged opportunities. U.S. specialty A&H premiums alone exceed $20 billion, growing 7 to 9% annually, with global potential projected to reach $2.6 trillion by 2030. Yet most carriers lack the modern capabilities to capture this growth. Manual processes, low digital engagement, and intricate product portfolios prevent insurers from scaling or innovating at the pace the market demands.

Meanwhile, digital-native MGAs and insurtechs are launching targeted A&H products in weeks, delivering seamless, data-driven customer experiences and raising the competitive bar for incumbent carriers.

The innovation tax

The whitepaper makes a compelling case that legacy infrastructure is not just slow, it actively penalizes growth. 74% of insurance companies still rely on outdated technology for core functions like pricing, underwriting, and claims. These systems consume up to 70% of IT budgets on maintenance alone, leaving little room for innovation. The consequences are far-reaching:

• Slow time-to-market: product changes take weeks or months on legacy platforms, while digital competitors deploy in days
• Siloed architecture: monolithic, hard-coded systems make even small adjustments cascade across interdependent modules
• Talent drain: a shrinking pool of specialists can maintain aging systems, while younger professionals prefer modern tech environments
• Poor customer experience: fragmented workflows push customers through process-heavy journeys when they expect digital convenience

Intelligence at the core

The whitepaper outlines the technologies reshaping A&H operations: AI and machine learning for predictive underwriting and early fraud detection, automation tools that streamline high-volume manual tasks, low-code platforms enabling rapid product launches, and open APIs that connect insurers to telemedicine providers, data sources, and digital distribution channels.

The evidence is clear: modernized carriers see up to 70% faster development cycles, 30 to 40% lower operating expenses, and 20 to 40 point NPS improvements through digitized customer journeys.

Building the smart, human-centric insurer

The whitepaper envisions a next-generation A&H operation that is customer-centric and proactive, powered by AI-augmented underwriting where humans focus on judgment and relationships while algorithms handle routine assessments. It advocates for end-to-end digital workflows, agile product innovation through low-code tools, and an integrated partner ecosystem connecting healthcare providers, employers, brokers, and reinsurers.

→ Download the whitepaper