Embedded Life Insurance: Design, Distribution, and Delivery

Thursday, October 16, 2025
ITC Life, Health & Benefits
FormatPanel Discussion

Embedded life and disability insurance holds promise but delivering it outside traditional distribution is complex. This session draws on practical lessons from Assurity and Eleos to explore what it really takes to bring embedded products to market. We’ll cover how to design offerings people want, not just need; where the real distribution potential lies; and how to simplify complex benefits for digital-first journeys. We’ll also discuss underwriting with real-world signals, reinsurer comfort with small risk pools, and making portability work. If you’re navigating embedded models in life and health, this is your chance to learn what works and what still doesn’t.

Session Moderator
David Gritz
David Gritz, Managing Director & Co-Founder - InsurTech NY
Speakers
Kiruba Shankar Eswaran
Kiruba Shankar Eswaran, CEO - Eleos
Todd Reimers
Todd Reimers, SVP - Chief Distribution Officer - Assurity