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For years, the global insurance industry has braced for change, but struggled to deliver it.
Faced with macroeconomic volatility, climate shocks, cyber risk, rising customer expectations, and a tightening regulatory landscape, the industry knows it must evolve. Yet most transformation efforts remain mired in legacy systems, siloed data, and timelines that lag behind real-world risk. Insurers still take months to roll out pricing changes. Product personalization is limited. And regulators are demanding not just faster models, but fairer ones too.
Artificial intelligence has long been heralded as the industry’s salvation. But turning potential into reality has proven far harder than expected. Many carriers remain stuck at the proof-of-concept stage. AI initiatives promise much but deliver little. Even as customers grow accustomed to real-time, hyper-personalized services in banking, retail, and media, insurers have been slow to follow.
And yet, some companies are helping insurers make that leap, not with headline-grabbing apps or flashy consumer brands, but with enterprise platforms purpose-built to rewire the insurance operating system from within.
One company at the center of this transformation is Earnix.
Founded in Israel in 2001, Earnix spent two decades building the deep tech infrastructure needed to help insurers adapt and thrive in an age of data-driven decision-making. Today, it works with over 100 of the world’s largest insurers in more than 35 countries, including Liberty Mutual, USAA, Generali, and Toyota Financial Services. Its platform enables dynamic pricing, usage-based insurance (UBI), bias mitigation, and real-time personalization, while integrating seamlessly with legacy systems.
Unlike many of its younger insurtech peers, Earnix didn’t promise disruption for disruption’s sake. Instead, it built enterprise-grade tools designed to work within the existing architecture of major insurers, adding speed, intelligence, and adaptability without requiring a full-stack overhaul.
This vision has found renewed urgency in the post-ChatGPT era, as companies across sectors seek to operationalize AI in meaningful ways. For insurance, the stakes are particularly high: more accurate pricing means better risk prediction, real-time models mean better responsiveness to crises, and personalized policies mean deeper customer trust.
“From Israel, North America, Europe, Australia, and other parts of the world, our teams consistently prove that artificial intelligence is far more than ChatGPT. In the hands of visionary insurers it becomes a force that protects what matters most: our homes, our cars, our health, and our livelihoods,” said Dr. Erel Margalit, Chair of Earnix’s Board and Founder & Executive Chairman of Jerusalem Venture Partners (JVP), the firm that first invested in Earnix nearly two decades ago, following this month’s global board meeting at JVP’s New York hub.
Under the leadership of CEO Robin Gilthorpe, Earnix has entered a new phase of global growth and product expansion. The company recently acquired Zelros, a French startup focused on generative AI for customer engagement. The addition of Zelros expands Earnix’s offering across the full insurance lifecycle, from underwriting and pricing to customer interaction and claims.
But beyond expansion and product, Earnix is also investing heavily in fairness, compliance, and explainability. Its Model Analysis Lab allows insurers to analyze and mitigate bias in pricing models using fairness metrics aligned with emerging global regulations. Built on Microsoft’s open-source Fairlearn library, the tool helps ensure that performance and equity are not competing goals, but part of the same system.
The transformation is already visible. Earnix clients report faster time-to-market for new products, greater pricing accuracy, better compliance, and improved customer retention. Usage-based models enabled by Earnix allow insurers to design coverage based not on static categories, but on behavior and context, transforming how insurers engage with individuals and communities alike.
“This is the JVP way,” Margalit explained. “Partner with outstanding entrepreneurs, fuse deep tech with sector expertise, and scale companies into global category leaders. From cybersecurity to fintech, and now insurance analytics, we invest in ideas that solve pressing challenges and build stronger communities.”
He credits the company’s team and global board for making that vision possible. “When technology, talent, and purpose converge, entire industries change,” he said. “Together, we’re proving that when innovation serves people, the impact resonates for generations.”
In a sector still wrestling with how to turn transformation from theory into practice, Earnix has quietly become one of the most trusted partners. It may not be the loudest company in the room, but for insurers trying to navigate complexity, adopt AI responsibly, and prepare for the future, it’s proving to be one of the most consequential.
As Margalit puts it: “Transforming a vertical industry like insurance happens maybe once in fifty years. Earnix is making it happen.”
