Insurance Europe’s 14th International Conference: Protect. Connect. Invest. took place in Helsinki, Finland, on 30 May 2024.
Organised by Insurance Europe in partnership with Finance Finland, the in-person conference gathered a diverse audience, including hundreds of insurance leaders and regulators from across the globe. Experts and high-level keynote speakers addressed some of the most important issues facing the insurance industry today, such as climate change, the consumer journey and regulation.
Conference language: English
Programme
Welcome
Arno Ahosniemi
CEO, Finance Finland
Opening remarks
Frédéric de Courtois
Insurance Europe President
Keynote speech
Shigeru Ariizumi
Chair, Executive Committee, International Association of Insurance Supervisors
Session 1: Protecting people: the future of climate insurance
Climate change is causing more regular and severe disasters from natural hazard events. This is having a profound impact on people across the globe, and is raising serious questions about the affordability and availability of insurance. This session will examine the effects climate change is having on people and the industry. It will discuss how best to limit climate change, manage associated risks and support adaptation efforts. It will reflect on measures to be considered for the insurance industry to be able to continue to offer people the protection they need.
Moderator: Nicolas Jeanmart
Head of personal & general insurance, Insurance Europe
Scene-setter: Mirka Vahtera
Strategic Accounts, EMEA Lead, ICEYE, Finland
Confirmed panel speakers:
Hanna Aho
Climate Policy Officer, Finnish Association for Nature Conservation
Hans De Cuyper
CEO, Ageas Group
Ekhosuehi Iyahen
Secretary general, Insurance Development Forum
Lori Wing-Heier
Director of the Alaska Division of Insurance and Co-Chair of the Climate and Resilience Task Force, NAIC
What's next for Europe?
The conference takes place a week before the EU elections. With around 400m citizens eligible to vote, the elections will change the composition and priorities of the EU for the coming years. This session focus on the hopes and expectations for the European Union, and the contribution the industry will play in Europe’s future.
Moderator: Olav Jones
Deputy director general/Director, economics & finance, Insurance Europe
Session 2: Investing in solutions: reimagining the customer journey
In an increasingly complex world of digitalisation and growing protection gaps, the panel will debate what consumers expect from insurers. The debate will discuss how far insurance products and services are meeting their needs today, and what they could expect in the future. The panel will delve into the role of the regulatory framework in placing consumers first, ensuring a smooth consumer journey and promoting financial education, financial inclusion and engagement of young consumers.
Moderator: William Vidonja
Head of conduct of business, Insurance Europe
Scene-setter: Patrick Itäniemi,
Young Finnish Economic Guru 2024
Confirmed panel speakers:
Petra Hielkema
Chairperson, EIOPA
Juha Koponen
CEO of LocalTapiola
Susan Neely
President, Global Federation of Insurance Associations (GFIA)
President & CEO, American Council of Life Insurers (ACLI)
Anya Suprunenko
Executive Director, European Youth Parliament
The Nordic perspective: why gender balance isn’t enough in workplaces
Fatim Diarra
Member of the parliament (Greens) in Finland
Keynote interview: a Nordic industry leader's perspective
Timo Ritakallio
CEO, OP Financial Group
Moderator: Michaela Koller,
Director general, Insurance Europe
Session 3: Connecting the dots: making regulation work
The insurance industry is highly regulated and supervised. Whilst good regulation is vital for a competitive and thriving industry, well-intended but poorly designed rules can have negative consequences. This session will discuss how to make regulation that best works for industry and consumers.
Moderator: Olav Jones
Deputy director general/Director, economics & finance, Insurance Europe
Scene Setter: Hans De Cuyper
CEO, Ageas Group
Confirmed panel speakers:
Paulina Dejmek Hack
Director for general affairs, DG FISMA, European Commission
Stefan Gehring
Chief legal and compliance officer, Munich Re, Germany
Christina Lindenius
CEO, Insurance Sweden
Teija Korpiaho
Finnish Financial Supervisory Authority, member of the board of EIOPA
Chief advisor, life and non-life insurance at Financial Supervisory Authority, FIN-FSA Finland
Save the date
Insurance Europe's 15th International Conference
5 June 2025, Brussels Belgium
Speakers and moderators
Click on the speakers to view their biography
Fatim Diarra
Member of the parliament (Greens) in Finland
Arno Ahosniemi
CEO, Finance Finland
Arno Ahosniemi has been the CEO of Finance Finland since February 2023. From 2012 to 2023, he was the editor-in-chief of the Finnish trade newspaper Kauppalehti, and director responsible for editorial work at Alma Talent. From 2014 to 2019, Mr Ahosniemi was chairman of the board of the Association of Editors-in-Chief.
He has a master’s degree in social sciences and business administration
Shigeru Ariizumi
Chair, Executive Committee, International Association of Insurance Supervisors
Shigeru Ariizumi is vice minister for international affairs of the Japan Financial Services Agency (JFSA). He is a member of the FSB Plenary, serves as chair of the Executive Committee of the International Association of Insurance Supervisors (IAIS) and is vice chair of the board of the International Organization of Securities Commissions (IOSCO).
Before assuming his position in July 2023, he held key positions at the Japanese Ministry of Finance (JMOF) and the JFSA. At the JMOF, he worked as G7/G20 deputies deputy in the Finance Track and also supervised Japan’s relationship with the IMF and the World Bank. At the JFSA, he led the team under Japan’s G20 Presidency in 2019.
Mirka Vahtera
Strategic Accounts, EMEA Lead, ICEYE, Finland
Mirka Vahtera is the strategic accounts lead at ICEYE, responsible for sales and value creation initiatives for ICEYE's insurance clients across the EMEA region. Her role involves orchestrating the transformative impact of ICEYE's natural and catastrophe monitoring products within the insurance ecosystem: direct, re-, and parametric insurers.
Leveraging her extensive background in the Scandinavian private insurance market and commercial specialty lines broking, she brings a wealth of industry expertise to her current position on how to leverage earth observation data within insurance.
Hans De Cuyper
CEO, Ageas Group
Hans De Cuyper is CEO of AGEAS group, having initially joined the group in 2004 as director, Insurance Management Asia in Hong Kong. In 2007, he moved to Malaysia as chief financial officer of Etiqa Insurance & Takaful, the joint venture between Maybank and Ageas. From 2011 until 2013, he was a member of the Executive Committee of Maybank, the leading Malaysian bank, and chief executive officer for Etiqa.
From September 2013 until September 2015, De Cuyper was chief financial officer of AG Insurance, Ageas’s Belgian subsidiary. In October 2015, De Cuyper became chief executive officer of AG Insurance and five years later he was appointed CEO of Ageas and a non-independent executive member of the board of directors.
Ekhosuehi Iyahen
Secretary general, Insurance Development Forum
Ekhosuehi Iyahen is the secretary general of the Insurance Development Forum (IDF), a public-private partnership led by the insurance industry and supported by the World Bank, the United Nations, and other organisations. IDF aims to enhance the use of insurance to build greater resilience against disasters. Ms Iyahen has been involved in establishing a number of pioneering initiatives including a tripartite agreement between the Insurance Development Forum (IDF), the United Nations Development Programme (UNDP), and the German Ministry of Economic Cooperation and Development (BMZ) to increase insurance protection in climate-exposed countries.
Iyahen is a London School of Economics and Political Science and Harvard University graduate. She was a 2018 Rockefeller Foundation Bellagio Centre resident practitioner fellow. In 2020, she was identified by Leader’s magazine as one of 100 global resilience thought leaders. In 2021, she was appointed as a non-resident senior fellow of the Atlantic Council’s Adrienne Arsht-Rockefeller Foundation Resilience Center. She is also a member of the Climate Impacts Advisory Committee of the Welcome Trust.
Lori Wing-Heier
Director of the Alaska Division of Insurance
and Co-Chair of the Climate and Resilience Task Force, NAIC
Lori Wing-Heier was appointed director of the National Association of Insurance Commissioners’ (NAIC) division of insurance in February 2014. She has over 45 years of experience in the insurance and risk management industry, including experience working as a broker and corporate risk manager.
She serves on two of NAIC’s committees including the Financial Regulation and Accreditation Committee, where she is the chair, and the International Insurance Relations Committee. In addition, she is co-chair of the Climate and Resiliency Task Force.
Ms Wing-Heier attended North Central Michigan College and holds the certified insurance counselor (CIC) and certified risk manager (CRM) designations.
Petra Hielkema
Chairperson, EIOPA
Petra Hielkema has been chairperson of European Insurance and Occupational Pensions Authority (EIOPA) since September 2021. She is also a member of the European Systematic Risk Board’s (ESRB) Steering Committee and general board. In addition, she is also a voting member of the International Association of Insurance Supervisors IAIS Executive Committee and the champion of the IAIS Fintech Forum.
Prior to her current role, Ms Hielkema was division director of Insurance Supervision at De Nederlandsche Bank (DNB, the Dutch Central Bank). She joined DNB in February 2007 as a policy advisor, contributing to the development of Solvency II. In 2013 she became head of insurance policy and in 2015 she was appointed as head of the DNB Expert Centre for Fit & Proper assessments. In February 2017 Petra started as director of payments and market.
Juha Koponen
CEO of LocalTapiola
Juha Koponen is the president and CEO of LocalTapiola Group (LähiTapiola) and serves as the chairman of the board at LocalTapiola General, LocalTapiola Life, and Finance Finland. Mr Koponen is also a member of the board at the Confederation of Finnish Industries, Elo Pension Insurance Company, and Eurapco, and a member of the Commission at the Finland Chamber of Commerce. LocalTapiola strives to be the most impactful partner in risk prevention in a world of evolving risks.
Susan K. Neely
President, Global Federation of Insurance Associations (GFIA);
President & CEO, American Council of Life Insurers (ACLI)
Susan K. Neely is president and CEO of the American Council of Life Insurers (ACLI), whose member companies represent 93 percent of US industry assets and provide financial protection to families. Ms Neely is also president of the Global Federation of Insurance Associations (GFIA). Under her presidency, GFIA has released influential reports on global protection gaps and the unique role of the insurance industry in the financial services sector. She serves on the B20 Finance & Infrastructure Task Force.
A native of Iowa, Neely holds an undergraduate degree from the University of Iowa and a master’s degree from Drake University.
Timo Ritakallio
CEO, OP Financial Group
Timo Ritakallio Doctor of Science (DSc Tech), LLM, and MBA, has worked as president and chief executive officer at OP Financial Group from 2018. OP Financial Group is owned by its customers and is Finland’s largest financial services group. The balance sheet in December 2023 was EUR 160.4 billion and the operating profit was EUR 2 050 million.
Since 2018 he has also worked as chairman of the board of Directors of Pohjola Insurance Ltd, a subsidiary of OP Financial Group. Pohjola Insurance is Finland’s leading non-life insurer.
Before joining OP Financial Group, he worked at Ilmarinen mutual pension insurance company as president and chief executive officer since 2015 and as deputy chief executive officer and chief investment officer between 2008-2015.
Dr Stefan Gehring
Chief legal and compliance officer, Munich Re, Germany
Dr Stefan Gehring has been group general counsel and compliance officer at Munich Re since January 2021.
He began his career working on national and international mergers and acquisitions (M&A) and competition law matters. Between 2003 and 2013, he worked as in-house counsel and general counsel for Bayer’s MaterialScience sub-group (now Covestro). Between 2013 and 2015, he served as general counsel to Bayer HealthCare and then from 2016 until 2020 in the pharmaceuticals division, where he was also a member of the division’s Executive Committee.
He studied law in Tübingen, Freiburg and Düsseldorf.
Christina Lindenius
CEO, Insurance Sweden
Christina Lindenius is CEO of Insurance Sweden. She is chair of several companies in Sweden providing common infrastructure for the insurance industry, and also chair of the board of the Third AP Fund and the National Government Service Centre.
Prior to this Ms Lindenius worked for some 20 years in the public sector, including as director in the Swedish Central Bank and as director general in the Ministry of Finance. Following this she was director general of the Premium Pension Authority.
Lindenius holds a bachelor’s from the University of Uppsala and participated in the masters of international economics programme at Johns Hopkins School in Washington D.C.
Teija Korpiaho
Finnish Financial Supervisory Authority, member of the board of EIOPA; Chief advisor, life and non-life insurance at Financial Supervisory Authority, FIN-FSA Finland
Teija Korpiaho is the chief advisor at the Financial Supervisory Authority, Finland. She has worked in insurance and pension supervision for over 20 years in different positions.
For the past ten years Ms Korpiaho has been on the board of supervisors in EIOPA. She is also a member of EIOPA’s management board and Policy Steering Committee. Currently, Korpiaho is a chief advisor to the head of department in matters related to insurance and pension supervision. She was previously head of division for life and non-life undertakings, analyst and a prudential supervisor.
Korpiaho has a master’s degree in economic sciences.
Paulina Dejmek Hack
Director for general affairs, DG FISMA, European Commission
Paulina Dejmek Hack is director for general Affairs at the European Commission’s Directorate-General for Financial Services and Capital Markets Union.
Paulina has worked on financial services matters in the European Commission in different positions since she joined in 2004. From 2010 to 2014 she worked in the private office of the then EU Commissioner Michel Barnier, subsequently vice-president of the European Commission, and from 2014 to 2019 as financial adviser for the European Commission president, Jean-Claude Juncker.
In 2019 to 2020, Paulina was director of the European Commission’s Task Force for relations with the United Kingdom, involved in the EU-UK negotiations.
Michaela Koller
Director general, Insurance Europe,
Secretary general, Global Federation of Insurance Associations (GFIA)
Michaela Koller is director general of Insurance Europe, the European insurance and reinsurance federation. She is currently also secretary general of the Global Federation of Insurance Associations (GFIA). She has worked in Brussels for the last 32 years.
Prior to joining Insurance Europe in February 2007, she held management positions in different banking trade bodies. Ms Koller has served as a member of various consumer/industry groups and advisory groups established by the European Commission. She has also been a member of both stakeholder groups of the European Insurance and Occupational Pensions Authority (EIOPA): the Insurance and Reinsurance Stakeholder Group (IRSG) and the Occupational Pension Stakeholder Group (OPSG). She is currently vice chair of EIOPA’s IRSG. Michaela testifies regularly at hearings organised by EU institutions.
She holds a law degree from Augsburg University.
Olav Jones
Deputy director general/Director, economics & finance, Insurance Europe
Olav Jones has been deputy director general and director, economics and finance at Insurance Europe since 2011. He is a member of the Occupational Pensions Stakeholder Group of the European Insurance and Occupational Pensions Authority.
Olav studied both engineering and finance and started his career with financial services consultancy Oliver Wyman. He then spent 15 years working for Prudential, Fortis and Ageas in roles related to risk, capital management and strategy, most recently as group chief risk officer.
William Vidonja
Head of conduct of business, Insurance Europe
William Vidonja is head of conduct of business at Insurance Europe, where he contributes to the global and European debates on legal and consumer protection issues, including insurance distribution, data protection, differentiation, contract law, competition issues and financial education.
He is also part of the employers’ delegation of the Insurance Sectoral Social Dialogue Committee (ISSDC), the only forum at European level in which insurance employer and employee representatives discuss topics of common interest with the support of the European Commission.
Mr Vidonja joined Insurance Europe as a trainee in 2002. After his traineeship he was hired as deputy manager of the insurance of the person department before moving to the conduct of business department.
Nicolas Jeanmart
Head of personal & general insurance, Insurance Europe
Nicolas Jeanmart, as head of Insurance Europe’s personal and general insurance department, contributes to the global and European debates affecting the non-life and life insurance sectors. He is also involved in the discussions on financial stability, with a particular focus on the question of systemic risk in insurance. Prior to joining Insurance Europe in November 2010, Nicolas worked for the European Savings Banks Group (ESBG), where he held various positions, culminating in four years as head of the banking supervision and economic affairs department.
This position entailed notably the responsibility for representing the interests of Europe’s savings and retail banks in the discussions on global bank capital requirements frameworks (Basel II and Basel III). During his time at the ESBG, he also acted as the secretariat for various working groups and committees of the European Banking Industry Committee, the platform representing the entire European banking industry. In his earlier career he provided consultancy and training services, primarily to the financial sector, in Belgium and Luxembourg. Nicolas is a Belgian/French national. He holds a master’s degree in business engineering, as well as degrees in European integration and development and in computer sciences.
Fatim Diarra
Member of the parliament (Greens) in Finland
Fatim Diarra is a 36 year old member of the Finnish parliament, a former chairperson of the Helsinki City Council and a city councillor. Ms She is an activist and the chairperson of Finland's oldest organisation defending women's rights, the Feminist Association Union.
Patrick Itäniemi
Young Finnish Economic Guru 2024
Patrick Itäniemi is a Finnish 18-year-old secondary school graduate who won Finland’s annual Economic Guru competition. The Economic Guru competition tests Finnish general upper secondary school students’ economics skills and has been organised by Finance Finland since 1997. The competition was hosted at 126 general upper secondary schools.
Hanna Aho
Climate Policy Officer, Finnish Association for Nature Conservation
Hanna Aho, Master of Science (MSc), is a biologist and works as a climate policy officer at the Finnish Association for Nature Conservation. She focuses on climate and energy policies in Finland and the EU, especially on the land use sector and carbon sinks. Aho has worked with environmental non-governmental organisations (ENGOs) in Finland and Brussels since 2015. She has campaigned amongst others for the Paris Climate Agreement, EU land use, land-use change, and forestry (LULUCF) Regulation, the 2019 climate elections, and been part of the first climate litigation in Finland.
Anya Suprunenko
Executive Director, European Youth Parliament
Ms Suprunenko is the executive director of the European Youth Parliament (EYP) in Berlin, a volunteer-driven youth-led network. 30 000 young people take part in more than 500 EYP events organised in 40 countries across Europe every year, contributing to a vibrant network of young changemakers.
Before becoming executive director three years ago, Ms Suprunenko had already been part of the European Youth Parliament as a volunteer in Ukraine. She has over ten years of experience in non-governmental organisation (NGO) management and civic society engagement
Ms Suprunenko is the “Future of Europe” scholar at the Hertie School of Governance in Berlin where she graduated with a master’s of public policy.
Jussi Karhunen
Head of Development, Finance Finland
Jussi Karhunen has worked at Finance Finland since 2013, covering different roles in public affairs and communications related to political lobbying. Before diving into the world of finance and insurance, Karhunen worked as a journalist for the biggest private TV news channel in Finland.
Karhunen holds a Master of Administrative Sciences degree from Tampere University, which has one of the few academic chairs of insurance science in Europe.
Practical information
Venue: The Finnish National Opera and Ballet
The Finnish National Opera and Ballet is a famous cultural institution that holds a diverse range of performances and other events throughout the year. The Opera House, located in the heart of Helsinki, close to the Senate Square and the Helsinki Cathedral, is hosting the 14th Insurance Conference.
The Opera House is modern and captivating architecture created by Finnish architects Eero Hyvämäki, Jukka Karhunen and Risto Parkkinen, and is recognised for its organic and biomorphic aesthetic. The Opera House is one of Helsinki's most recognisable monuments, and it has been praised for its unique and environmentally friendly design.
The site is easily accessible by transport or car, and parking is available for visitors. The Opera House is also close to many of Helsinki's hotels, restaurants, and attractions.
Where to stay
Recommended hotel:
Scandic Grand Central Helsinki*
Vilhonkatu 13
Distance to Opera 1,9 km
* For special hotel rates for conference attendees please reach out to: [email protected]
Radisson Blu Plaza Hotel
Mikonkatu 23
Stylish hotel just next to Scandic Grand Central Hotel
Distance to Opera 2,1 km
Distance to Scandic Hotel Grand Central 150 m
Radisson RED Helsinki
Vuorikatu 24
Brand-new hotel, just nearby to Scandic Grand Central Hotel
Distance to Opera 2,2 km
Distance to Scandic Hotel Grand Central 350 m
Holiday Inn Helsinki City Centre
Elielinaukio 5
Next to the central railway station
Distance to Opera 1,4 km
Distance to Scandic Hotel Grand Central 500 m
Scandic Park Helsinki
Mannerheimintie 46 *
Located next to the Opera and nearby Helsinki city center
Distance to Opera 400 m
Distance to Scandic Hotel Grand Central 1,6 km
* Mannerheimintie will be renovated from the sections between Postikatu and Runeberginkatu and later Runeberginkatu and Reijolankatu. The works are estimated to be completed by the end of 2025. Due to the repair work, the traffic arrangements on Mannerheimintie have changed, so please reserve more time to arrive at our hotel.
How to get there
We encourage attendees to favour public transport. If arriving to Helsinki by plane, the most convenient transport method to reach the central station is by train.
More nformation about public transport and price here
Sponsors
Gold sponsor
KPMG member firms operate in 143 countries and territories across the globe, offering audit, tax and advisory services. We are a global network of professional service firms, collectively employing more than 270,000 people. KPMG is committed to quality and service excellence in all that we do, bringing our best to clients and earning the public's trust through our actions and behaviors both professionally and personally
Conference sponsor
F-Secure makes every digital moment more secure, for everyone. We deliver brilliantly simple, frictionless security experiences that make life easier for the tens of millions of people we protect and our 200+ partners. For over 30 years, we’ve led the cyber security industry, inspired by a pioneering spirit born out of a shared commitment to do better by working together.
Please contact Annemarie Bos-de Roos / David French, [email protected] to learn more about sponsorship opportunities.
For any media queries, please contact David French, [email protected]