There is a $9 trillion global protection gap, with life insurance making up 70% of it. This shortfall cuts across lifestyle, financial, and safety/security risks, with financial under-protection especially acute for all generations. The issue isn’t product scarcity but misalignment, low adoption, misconceptions, and cost overestimation—72% of customers overestimate basic term life premiums. Traditional L&AH models, split by group, benefits, worksite, and individual and constrained by legacy tech, no longer fit today. This fireside chat will discuss investment in a new operating model and AI rich technology foundation and demo on how L&AH insurers can close the customer protection gap and drive insurer growth.