As a sector, insurance has not been good at the kind of deep data analytics we now see from machine learning. This is especially apparent in group insurance, which has traditionally lagged the investment provided to retail or individual insurance. Give or take a few key terms, we are still, in effect, asking clients all the same questions we were more than two decades ago. With the arrival in recent years of new technology, an odd contradiction has developed in insurance. Leaders in the industry know they must move to embrace artificial intelligence but they have been hesitant to commit to – and invest in – such systems.