From Experimentation to Execution Discipline
How leading insurers are converting insurtech partnerships into measurable returns.
Insurtech partnerships do not fail because the ideas are weak.
They fail because execution breaks down: priorities are unclear, decision rights are fragmented, budgets sit in the wrong place, and pilots are treated like experiments instead of the first phase of delivery.
Alvarez & Marsal and InsurTech NY developed this joint report to help insurance leaders move beyond scattered experimentation and build the operating discipline needed to scale insurtech partnerships with confidence.
A practical framework for moving from pilot activity to measurable returns.
The report combines A&M’s transformation expertise with InsurTech NY’s direct access to the insurtech ecosystem, surfacing where carrier-startup collaboration actually stalls — and what leading organizations do differently.
The six-stage lifecycle
A repeatable model for moving from problem validation and partner selection to pilot design, pre-scale commitment, and post-launch accountability.
Five execution barriers
Why partnerships stall — from IT capacity fog and budget-accountability misalignment to unclear decision rights and control rigidity.
The 100-day readiness plan
A leadership roadmap with named owners, deliverables, and success metrics for building execution discipline before the next wave of pilots.
Carriers and insurtechs are looking at the same problem from opposite sides.
InsurTech NY’s Insurance Collaboration Index work captured the insurtech perspective: where founders experience friction, delay, unclear ownership, and difficulty moving from pilot to scale.
Alvarez & Marsal paired those findings with interviews from senior insurance transformation leaders to understand what is happening inside carriers — and how leading organizations overcome those barriers.
The result: a two-sided view of execution.
Not a generic innovation report. Not another “future of insurtech” piece. This is a field guide for making insurer-insurtech partnerships work inside real operating environments.
Execution discipline is becoming a competitive advantage.
Access to technology has improved. The insurtech ecosystem has matured. AI has accelerated expectations. But many insurers still struggle to convert promising partnerships into enterprise value.
The report shows how leading organizations create momentum by validating the problem before selecting the partner, empowering operators early, time-boxing pilots, aligning commercial terms to outcomes, and maintaining accountability after go-live.
Built for the people responsible for making transformation real.
Turn partnerships into measurable value
Use the lifecycle, barriers, and maturity self-assessment to diagnose where your organization is slowing execution down.
Move beyond pilot theater
Build the structure, sponsorship, and governance model needed to take promising insurtech work into the business.
Understand the carrier decision path
Learn how to support business sponsors, technical evaluators, governance teams, and procurement with the right materials early.
Show returns with discipline
Use the 100-day readiness plan to align budgets, ownership, decision rights, and support functions around measurable outcomes.
Download the joint A&M and InsurTech NY report
Get the full framework, execution barriers, 100-day readiness plan, and maturity self-assessment for converting insurtech partnerships into measurable returns.
Download the Report