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. Laila Neuthor
Chief Executive Officer & Co-Founder

Dr. Laila Neuthor, born in 1981, holds a German Diploma (i.e., MSc) in economics. Pursuing her studies in both Munich, Germany, and Bergen, Norway, she focused on microeconomics, game theory and econometrics. Parallel to her undergraduate studies, Laila worked in the reinsurance industry, joining Swiss Re as a Graduate Trainee in Non-Life underwriting and Client Management for the Nordic and Baltic Countries. After obtaining her diploma in 2005, Laila obtained her Master of Business Research (MBR), and then a doctoral degree in economics with a thesis on the determination of the demand for the purchasing processes of reinsurance coverage using a game-theory approach. Between 2007 and 2011, during her graduate work, she was employed as a teaching and research assistant at the Institute for Insurance & Risk Management at the University of Munich, and a Visiting Scholar at the National Chang Chi University, in Taipeh, Taiwan. Her doctoral thesis was supported by a grant from the German Insurance Science Society and recognized by an industry award. Since 2006 Laila has constantly been training insurance know-how at various levels in different institutions. Starting in 2011 Laila worked as an Executive Assistant to Munich Re´s Board Member for the reinsurance division of Germany, Africa, Middle East, and Asia-Pacific. Laila was heavily involved in strategically and financially steering the Division, as well as in overarching topics regarding Munich Re´s primary insurance, reinsurance and asset management groups. During this time, Laila joined Munich Re´s operations in Bejiing, China, and Ergo´s joint venture in Mumbai, India. From 2014 to 2018, Laila led the Life and, from 2017, the Health Client Management Team for a broad selection of markets in Northern, Eastern, and Southern Europe as well as North Africa and the Middle East. Together with her team and various experts Laila developed new life and living benefit products for her clients, improved processes along the insurer´s value chain, and designed risk transfer solutions to meet balance sheet design requirements and capital needs.

In 2014, Laila began further, ongoing consultancy training in organizational development and group dynamics. As a consequence, she is able to combine her strong content-driven expertise with skills as a change agent.

Laila is convinced that capitalizing on the combined knowledge and expertise of employees and industry experts can create sustainable change in the life insurance industry itself.

Transformation Consulting

Process Optimization

Operational Support

Training & Empowerment