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  "documentTitle": "ey gl hfs horizons insurance services excerpt 06 2025",
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  "notes": "Uses the HFS Horizons framework to categorize insurance innovation into three distinct stages.",
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      "text": "HORIZON 3 - Unlocking growth through ecosystems. Innovation focus: Expanding into new markets, developing innovative insurance products, and leveraging ecosystem partnerships for growth. Insurance outcomes impacted: Premium growth, return on equity, investment yield, combined ratio",
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      "text": "HORIZON 1 - Reducing expense ratios. Innovation focus: Driving operational efficiencies and effectiveness, reducing operational costs, and improving risk assessments. Insurance outcomes impacted: Expense ratio, combined ratio, loss ratio, total cost to serve, customer acquisition cost",
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