Lloyd walks through his path: starting out at the Insurance Advisory Service (later RIAS) selling cover to the over-50s market, moving into underwriting, then into commercial management liaising across a panel of insurers. From there he helped launch an over-50s direct proposition, before moving into insurtech sales - a route that eventually led him to Ice-Tech eight and a half years ago, when the business had around 45 people and roughly £4 million in turnover. He and Elliott cover the growth since: securing backing from Acturis, winning tier-one insurers, and expanding into New Zealand and Ireland.

The conversation closes on the business's recent merger and what the next three to five years might hold, before wrapping up with Lloyd heading off on a well-earned two-week holiday.

Follow ICE-Tech online:

Web // LinkedIn // YouTube 

The core of the conversation is the pivot from travel insurance into international private medical insurance (IPMI), triggered by COVID wiping out the travel market almost overnight. Casper and Elliott walk through how the business used that disruption to rebuild its platform foundations, what carried over cleanly from travel into IPMI, and what needed extending - while Lloyd brings a personal lines perspective, drawing parallels with his own experience of the market's uneven pace of digital transformation.

The episode closes by looking ahead: an open API strategy, third-party integrations, and what Casper calls the "orchestrator" - a governance layer for AI-driven workflows and agent-to-agent connections. Both guests are candid about the risks of over-building features without market validation, landing on a shared view that focus and stability matter more than chasing every new AI capability.

Follow ICE-Tech online:

Web // LinkedIn // YouTube 

The conversation moves into emerging risk, covering climate's growing impact on insurability, parametric travel insurance and the geopolitical and cost pressures reshaping that market, plus a look at Ontario's move to make previously mandatory auto insurance coverages optional. The bulk of the episode is then given over to AI: its use as an emerging product line in its own right, the so-called "boomerang effect" of AI-driven layoffs being reversed, concerns around AI in education and misinformation, and a real example of AI being deployed on a live customer web journey.

It's a wider-ranging episode than the first, moving from hard market stats to practical AI use cases, with the hosts pushing back on both AI hype and AI panic in favour of a more grounded view of where it's actually being used today.

Follow ICE-Tech online:

Web // LinkedIn // YouTube 

Recorded during a UK heatwave and mid-World Cup, the trio start with some light banter on the weather and the tournament's expanded format, before getting into the episode's main topic - surviving conference season. Drawing on recent trips to BIBA, Charleston and Copenhagen, they compare notes on what makes a conference worth attending versus a waste of time, from the value of face-to-face relationships and market insight over lead counts, to the practicalities of hotel gyms, travel adapters and comfortable shoes.

It's an easy-going first episode that sets the tone for what's ahead - real conversations from three people who've spent 20-plus years around insurance and tech, with more guests and topics to come in future episodes.
 
Breaking the ICE - Demystifying the Insurance World one episode at a time

Follow ICE-Tech online:

Web // LinkedIn // YouTube