Conference Chair:

Louise Minchin, Broadcaster and Journalist

 Keynote Speaker:

Matt Forde, Comedian and Impressionist 

Andrew Griffith, Economic Secretary to the Treasury 

Rachel Reeves, Shadow Chancellor of the Exchequer 

Eliza Manningham-Buller, Former Director-General of MI5

 Speakers:

• Henrik Allert, Vice President, Industry & Product Strategy, Lumera
• Nici Audhlam-Gardiner, CEO, Foresters UK
• Claer Barrett, Consumer Editor, Financial Times
• Peter Banthorpe, Managing Director, UK and Ireland, RGA
• Andy Briggs, Group CEO, Phoenix Group
• Ghela Boskovich, Head of Europe, Financial data & Technology Association 
• Clare Bousfield, CEO, Retail & Savings, M&G
• Nicky Bray, Chief Underwriter, Zurich  
• Yvonne Braun, Director of Policy, Long Term Savings and Protection, ABI
• Matt Brewis, Director of Insurance, Financial Conduct Authority
• John M. Burke, Director of Medical Policy and Chief Medical Officer, AXA Health
• Charlotte Clark CBE, Director of Regulation, ABI
• Tom Clougherty, Head of Tax, Centre for Policy Studies
• Pippa Crerar, Political Editor, The Guardian
• James Daley, Managing Director, Fairer Finance
• Bobby Duffy, Professor of Public Policy and Director of the Policy Institute, King's College London at King’s College
• Dr Cosmina Dorobantu, Co-Director, Public Policy Programme, and Policy Fellow, Alan Turing Institute
• Mike Ellicock, Co-Founder and Chief Executive, Plain Numbers
• Lorna Fitzsimons, CEO, The Pipeline
• Tara Foley, CEO, AXA Retail UK
• Tracy Garrad, CEO, Chair of the ABI Board sub-group on DEI 
• Hannah Gurga, Director General, ABI 
• Alice Hansen, Financial Services Leader, Slalom
• James Henderson, Director, Customer & Digital Transformation, KPMG
• Sophie Hulm, CEO, Progress Together
• Jamie Jenkins, Director of Policy & Communications, Royal London
• Deepak Jobanputra, Chief Sustainability Officer, Vitality 
• Hanna Kam, Group Chief Risk Officer, Hiscox
• Dr Keith Klintworth, Group COO and Managing Director, VitalityHealth
• Michael Ludlow, Head Group Tax, Swiss Re 
• David Mendes de Costa, Principle Policy Manager - Consumer Policy, Citizens Advice 
• Cristina Nestares, UK Chief Executive Officer, Admiral
• Mel Newton, Partner, KPMG
• Dave Nicholas, Segment Chief Underwriter, Gen Re
• Claire Nolan, Head of L&H Underwriting - Europe, ME & Africa, Swiss Re
• Barry O’Dwyer, Group Chief Executive Officer, Royal London and President of the ABI
• Matt Parry, Head of Financial Services Taxation, HM Treasury
• Alex Perry, CEO, Bupa Insurance
• James Plunkett, Executive Director of Advice and Advocacy, Citizen’s Advice
• Malcolm Richardson, Head of Tax, M&G 
• Hugh Savill, Senior Advisor, Sicsic Advisory 
• Derek Smith, Talent Development Director, Microsoft UK
• Kate Syred, MD Household, Partnerships, Data & Pricing, Direct Line Group
• Craig Thornton, General Insurance, Protection and Investments Director, Lloyds Banking Group
• Charlotte Wightwick, Assistant Director, Head of Conduct Regulation, ABI
• Rob Yuille, Assistant Director, Head of Long Term Savings Policy, ABI

D: For or against the power of predictive genetic testing as a force for good in insurance

Debate, for or against? Science points towards more, better, and widely available predictive genetics testing for health. Such testing can save lives by giving people knowledge of risks they can mitigate by changing lifestyle, getting regular screenings, or undergoing preventative surgery. These are just some of the questions we will be debating:

• But what does that mean for health and protection insurance?
• Is it to the benefit or detriment of the consumer?
• And what are the ramifications for the industry as a whole?
• Who owns genetic data?
• Who can use it?
• When is it ethical to start testing?

Predictive genetics testing raises the question if there is a role for insurers to play in facilitating preventative healthcare to improve consumer health and what the barriers are to this?

Access to patient genetic data could allow insurers to better understand individual- and population-level risks, which has the potential to improve affordability and access to insurance. However, an asymmetry of access to this predictive data between consumer and insurer threatens a situation where only those with high genomic risks seek out insurance in the first place, limiting affordability and access to insurance. The stage is set for an exciting if difficult debate.

E: The ghost of past, present and future: Engaging long-term savings customers in a digital world

Presentation followed by panel discussion on engaging customers with their long-term savings and how it has long been a challenging task. To some, reminders of their retirement saving progress might feel like a tour with the Ghost of Christmas Yet to Come in a bleak future. Some of these discussion points will be:

• How can the long-term industry empower customers to start making changes, if they don’t like the future they see?
• What is the industry doing already, and does regulation help or hinder them?

While the availability of digital communications has increased the number of potential engagement points, it might not necessarily lead to better customer decisions or outcomes. Reflecting on our Engagement Season campaign and the development of pensions dashboards, this breakout session will explore what a digital customer journey could look like and the latest technological developments which long-term savings providers should monitor and embrace.

F: Round peg in a square hole - can complex products be easily understood?

Trust in insurance and long-term savings is a problem. A lack of transparency and complexity make it hard for customers to see what they get from products, reducing comparisons between products to the default of price, misaligning expectations and even putting some off from engaging with the industry at all. What can be done, or are we trying to force a large round peg into deceptively small square hole?

This session will explore the opportunities and challenges for the industry to make products more transparent, simpler to understand and easier to compare. It will discuss changing customer expectations and regulatory requirements, whether being a first mover is an advantage or if market-wide action is needed, and where best practice provides practical applications that any provider can adopt.