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Insurance is a complex, regulated business built around data, IT, and people. Chris Freese argues that, by unlocking the potential of all three, generative AI promises a transformation that has eluded the sector for years.

Christopher Freese leads BCG's Insurance practice in Germany and Austria and the "digital in insurance" topic globally. Previously, he built BCG's insurance business in the US. Christopher supports his clients in broad transformation efforts—creating growth, driving efficiency and customer satisfaction, digitizing the core business and digital disruption.

Some of his recent experience includes creating customer-focused digital market-entry strategies for German and international insurance companies, founding and commercializing a successful German direct insurer, and developing an assistance-focused business extension in the mobility space for the leading German car insurer. Christopher has also designed and introduced digital ecosystems for a leading public health insurer in Germany,

  • helped digitize customer journeys for a leading international insurance group, and
  • developed a new disruptive insurance business.

AREAS OF EXPERTISE

EDUCATION

  • PhD, Massachusetts Institute of Technology and Georg-August-Universität Göttingen
  • MA, economics, Christian-Albrechts-Universität zu Kiel

Publications and Videos

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What Happens When Every Company Is an Insurer?

By bundling insurance with products and services, non-insurance companies will sooner or later control over a third of the property and casualty insurance business. The emergent world of embedded insurance will radically disrupt traditional insurers, so they had better rethink their strategies. Here’s how they can get started.
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Leading Insurers Are Having a Generative AI Moment

Christopher Freese, the managing director and senior partner of BCG’s Insurance practice, discusses how GenAI could transform the industry.
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Embracing the Human Side of the Bionic Insurer

Six steps can help insurers build a robust balance of technology and human enablers to ensure short-, medium-, and long-term success.
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What Lies Beyond Digital for Insurance Operations?

Leading companies are already implementing a bionic approach. Others should follow.
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The Building Blocks of Bionic Distribution in Insurance

Companies that embrace AI at scale, expand their digital platforms, and optimize their distribution economics will emerge from the COVID-19 crisis stronger.

How P&C Insurers Can Compete In a World of New Business Models and Ecosystems

To excel in their rapidly changing industry, P&C insurers must rethink how they define their offerings, use new data to price risks differently, and partner with newcomers in multiple other industries.

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What Forward-Looking Insurers Are Focusing On Now

The COVID-19 pandemic—along with the new reality taking shape because of it—has created a clear mandate for insurers: deal with the rigors of the present and the near future while starting to prepare for challenges and opportunities over the longer term.
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What Forward-Looking Insurers Are Focusing on Now

As the COVID-19 pandemic forces insurers to prepare for the new reality, a focus on five particular areas can help them begin.
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To Guarantee or Not to Guarantee: Life Insurers in Germany Face an Existential Question

Traditional products are here to stay, so insurers need to improve profitability by trimming guarantees and radically reducing costs.
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Less Is More: Lean 2.0 Programs in the Global Insurance Industry

BCG examines how insurance companies can generate greater customer and employee satisfaction on a sustained basis by adopting Lean 2.0 process improvements.