{
  "docId": "019dd923-5ca1-7489-b634-a2709765f07b",
  "docSlug": "62c9b2539bf1585b",
  "documentTitle": "Whats Next Insurance Pricing",
  "authorId": "BCG",
  "authorName": "BCG",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "portrait",
  "aspectRatio": 0.773,
  "pageNumber": 5,
  "pageCount": 13,
  "prevPage": 4,
  "nextPage": 6,
  "slideType": "implementation_plan",
  "function": "present_framework",
  "density": "balanced",
  "nDataPoints": 0,
  "notes": null,
  "elementsJson": [
    "headline_text",
    "process_diagram",
    "paragraph"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5ca1-7489-b634-a2709765f07b/5",
  "deckHref": "/decks/019dd923-5ca1-7489-b634-a2709765f07b",
  "deckJsonHref": "/decks/019dd923-5ca1-7489-b634-a2709765f07b.json",
  "deckAnchorHref": "/decks/019dd923-5ca1-7489-b634-a2709765f07b#slide-5",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "Insurers generally favor improving pricing accuracy over uniformly increasing rates.",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-acb8-762a-a73f-1a2e8d7550d8",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.35,
        "w": 0.78,
        "x": 0.11,
        "y": 0.21
      },
      "kind": "diagram",
      "text": "Develop, File, Implement process flow",
      "attrs": null,
      "subkind": "process",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a03bc937-b03f-4a7e-9d6e-9421a56f6696",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.45,
        "x": 0.07,
        "y": 0.59
      },
      "kind": "paragraph",
      "text": "Improved risk segmentation and pricing granularity",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "aaf2159c-429b-465c-a205-f10a2fa9945d",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.85,
        "x": 0.07,
        "y": 0.63
      },
      "kind": "paragraph",
      "text": "Insurers generally favor improving pricing accuracy over uniformly increasing rates. Blanket rate increases on top of inaccurate segmentation may drive desirable risk to competitors, while attracting riskier customers that end up relatively underpriced.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "fcc80931-32f5-4112-a3fc-c1d3f4236e14",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.85,
        "x": 0.07,
        "y": 0.07
      },
      "kind": "title",
      "text": "Exhibit 1 - Developing, filing, and implementing rate changes requires coordination across multiple internal teams, a system that was not designed for speed",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f3f43c9d-e6ad-4bed-91e1-53fe3c478591",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Causal Chain",
      "slug": "causal-chain",
      "agent": "Architect",
      "layer": "loop",
      "matchId": "019dd95a-163f-72bd-8a0c-76c543067d9b",
      "evidence": "Arrow links Develop->File->Implement showing one stage feeds the next",
      "confidence": 70
    },
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019dd95a-163f-72bd-8a0c-6b37d2251159",
      "evidence": "Title states the insight: 'a system that was not designed for speed'",
      "confidence": 90
    },
    {
      "name": "Gestalt Principles",
      "slug": "gestalt-principles",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019dd95a-163f-72bd-8a0c-6c881bf4fd42",
      "evidence": "Develop/File/Implement labels group step boxes via proximity and enclosure",
      "confidence": 75
    },
    {
      "name": "Process flow",
      "slug": "process-flow",
      "agent": null,
      "layer": "slide",
      "matchId": "1beba23c-cc72-426c-b159-053de18b467c",
      "evidence": "Develop, File, Implement process flow",
      "confidence": 0.8
    },
    {
      "name": "Visual Hierarchy",
      "slug": "visual-hierarchy",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019dd95a-163f-72bd-8a0c-70e065bfe34d",
      "evidence": "Large stage pins above small process steps establish clear reading order",
      "confidence": 75
    }
  ],
  "frameworks": [
    {
      "name": "process",
      "slug": null,
      "matchId": "dc1d49af-c231-4a30-b014-7946a26bfaa9",
      "evidence": "Three-stage linear flow diagram",
      "confidence": 0.8
    }
  ],
  "arcBeats": [
    {
      "to": 6,
      "from": 5,
      "beatId": "019dd95a-0702-74a3-87e4-099544b2493d",
      "arcName": "The Consultant's Gambit",
      "arcSlug": "consultants-gambit",
      "beatName": "Problem & Complication",
      "beatSlug": "consultants-gambit-problem-complication",
      "evidence": "Exhibit 1 siloed process + Exhibit 2 diminishing returns curve",
      "position": 2,
      "confidence": 85,
      "parentBeatName": "Complication",
      "parentBeatSlug": "complication"
    }
  ],
  "loops": [
    {
      "to": 7,
      "from": 5,
      "name": "Zoom In",
      "slug": "06-zoom-in",
      "bestFor": "Technical deep-dives, case studies, detailed analysis",
      "matchId": "019dd95a-088c-724c-b310-03aff0e780a5",
      "evidence": "Exhibit 1 process map -> Exhibit 2 modeling detail -> Exhibit 3 implication of GBM transition",
      "position": 2,
      "objective": "Drill from process big picture into modeling detail and its implication",
      "structure": "The Big Picture -> Key Area of Focus -> Specific Detail -> Implication",
      "confidence": 78,
      "description": "Start broad, then progressively focus on specific details that prove your point"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}