Creatively fueling the evolution of the life insurance industry

Combining the strength of in-depth medical understanding with overarching insurance expertise opens a whole new world of possibilities

Medical expertise is embedded in day-to-day processes along the value chain of life insurers. Mostly, it is employed rather mechanistically in risk and claims assessment. We strongly believe that this is a missed opportunity: a profound understanding of medicine and its reciprocity with life insurance product and process design is a unique starting point to create much more value for both life insurance companies and their customers. In combination with the accelerating developments in both medicine and technology, this expertise opens up a whole new world of possibilities to creatively reshape the life insurance industry. At we4 Impact, we are convinced that merging our own unique combination of in-depth medical knowledge and expertise in life insurance with each of our client’s individual experiences, challenges and organizations can help you to grow organically into what could be a reality tomorrow.

Who we are

A unique mix – more than the sum of its parts

we4Impact Team

Dr. Karsten Filzmaier
Chief Medical Officer & Co-Founder

Dr. Karsten Filzmaier, born in 1970 in Stuttgart, Germany, studied medicine at the medical school of the Albert-Ludwigs University in Freiburg from 1990 to 1997. In the course of his studies, he spent two years working in hospitals in India, Israel and the United Kingdom. Between 1998 and 2005, he worked at the University Hospital of Aachen and qualified as a specialist in internal medicine, cardiology and emergency medicine. From 2007 to 2018, Karsten worked as Chief Medical Officer in the reinsurance (Munich Re) and direct insurance sector (Allianz Germany). In both companies he managed the centre of competence for insurance medicine. These departments were global contact points for all medical and scientific issues in Life (and partially Health) insurance, including medical underwriting and claims consulting for complex individual risks, the development of risk assessment guidelines and the provision of medical consultancy services for product development, risk modelling, data analytics and process automation.

Karsten strongly believes that medicine will play an important role in improving services, processes and the quality of products in the Life insurance sector in the future.

Dr. Karsten Filzmaier
Chief Medical Officer & Co-Founder

Dr. Karsten Filzmaier, born in 1970 in Stuttgart, Germany, studied medicine at the medical school of the Albert-Ludwigs University in Freiburg from 1990 to 1997. In the course of his studies, he spent two years working in hospitals in India, Israel and the United Kingdom. Between 1998 and 2005, he worked at the University Hospital of Aachen and qualified as a specialist in internal medicine, cardiology and emergency medicine. From 2007 to 2018, Karsten worked as Chief Medical Officer in the reinsurance (Munich Re) and direct insurance sector (Allianz Germany). In both companies he managed the centre of competence for insurance medicine. These departments were global contact points for all medical and scientific issues in Life (and partially Health) insurance, including medical underwriting and claims consulting for complex individual risks, the development of risk assessment guidelines and the provision of medical consultancy services for product development, risk modelling, data analytics and process automation.

Karsten strongly believes that medicine will play an important role in improving services, processes and the quality of products in the Life insurance sector in the future.

Transformation Consulting

Process Optimization

Operational Support

Training & Empowerment