Insurance innovation is no longer about adding new point solutions – it’s about rebuilding how the industry connects across the value chain. As carriers, MGAs, and brokers face mounting pressure on profitability and growth, the biggest opportunities are emerging where distribution, underwriting, and decisioning intersect. The winners aren’t deploying more tools – they’re creating connected workflows that bring better data earlier in the journey and enable faster, more confident decisions downstream. In this session, we’ll explore: – Why distribution is becoming the strategic control point for underwriting performance – How addressing risk earlier in the customer journey improves quote speed, conversion, and loss outcomes – What real operational connectivity looks like across carriers, MGAs, brokers, and embedded partners – Where AI and data enrichment create genuine advantage versus incremental complexity – How insurers can modernise by building connected infrastructure, not simply adding more technology.