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\u003Cdiv class=\u0022addthis_inline_share_toolbox\u0022\u003E\u003C\/div\u003E\n                                      \u003Cdiv class=\u0022tab-content-block\u0022\u003E\n                      \u003Cdiv class=\u0022tab-subtitle green-july-text\u0022\u003ESummary\u003C\/div\u003E\n                      \u003Cdiv class=\u0022p-14 insead-grey-dec-text\u0022\u003E\n                        \u003Cp\u003E\n                          \u003Cp\u003EFWD is a young home-grown entrant in the Asian insurance market, which is dominated by giants such as AIA, Manulife, Prudential and AXA. Its mission is to change the way people feel about insurance by leveraging technology to create relevant products, make the buying process more efficient, customer- and distributor-friendly, and then scale up the business.\u003Cbr \/\u003E\nCase A covers the period 2010-20. With 5% annual growth for the past 20 years, Indonesia is fast becoming an economic powerhouse and is digitizing rapidly. The government has invested heavily in infrastructure, and poverty has fallen significantly. Rising incomes are associated with higher spending on welfare and savings, which augurs well for insurance products. For the last 25 years incumbent providers have relied largely on the traditional agency distribution, but market penetration rate has remained very low. Students are asked how FWD can exploit this huge untapped potential in the market.\u003Cbr \/\u003E\nCase B focuses on the partnership between FWD and BRI Life from 2020-23, notably the go-to-market strategy that enabled them the company to achieve a \u201ctop three\u201d ranking among insurance companies in Indonesia. Case C is set in 2024, when FWD BRI Life is considering what to do next, and has many opportunities for consolidating the business. Students are challenged to evaluate the various possibilities and create a roadmap for 2024-27\u003C\/p\u003E\n\n                        \u003C\/p\u003E\n                      \u003C\/div\u003E\n                    \u003C\/div\u003E\n                  \n                  \n                                      \u003Cdiv class=\u0022tab-content-block\u0022\u003E\n                      \u003Cdiv class=\u0022tab-subtitle green-july-text\u0022\u003ETeaching objectives\u003C\/div\u003E\n                      \u003Cdiv class=\u0022p-14 insead-grey-dec-text\u0022\u003E\n                        \u003Cp\u003E\n                          \u003Cp\u003EThe FWD in Indonesia case series uses two frameworks created at INSEAD \u2013 the Phoenix Encounter Method and Blue Ocean Strategy \u2013 to help students develop their ability to devise disruptive new business models in legacy industries. Beyond the Phoenix Encounter and Blue Ocean Strategy, it can be used in courses on competitive strategy, corporate strategy, mergers and acquisitions, customer-centricity, distribution channels, go-to-market strategy and creating partnerships.\u003C\/p\u003E\n\n                        \u003C\/p\u003E\n                      \u003C\/div\u003E\n                    \u003C\/div\u003E\n                  \n                                      \u003Cdiv class=\u0022keyword-content-block\u0022\u003E\n                      \u003Cdiv class=\u0022tab-subtitle green-july-text\u0022\u003EKeywords\u003C\/div\u003E\n                      \u003Cdiv class=\u0022p-14 insead-grey-dec-text\u0022\u003E\n                        \u003Cul class=\u0022individual-page-keywords\u0022\u003E\n                                                      \u003Cli\u003E\n                              Phoenix Encounter Method\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Blue Ocean Strategy\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Strategy\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                               Marketing\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Branding\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Distribution Channels\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Financial Inclusion\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Customer-Centricity\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Mergers \u0026amp; Acquisitions\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Insurance\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Bancassurance\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Go-to-market Strategy\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                               Organizational Culture\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Alignment\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              SDG8 Decent Work and Economic Growth\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              SDG10 Reduced Inequality\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Q22025\n                            \u003C\/li\u003E\n                                                  \u003C\/ul\u003E\n                      \u003C\/div\u003E\n                    \u003C\/div\u003E\n                  \n                \u003C\/div\u003E\n                                  \u003Cdiv id=\u0022microsite-162766\u0022 class=\u0022tab-pane fade\u0022\u003E\n                    Loading please wait.\n                  \u003C\/div\u003E\n                              \u003C\/div\u003E\n                        \u003C\/div\u003E\n\n\n        \u003C\/div\u003E\n\n\n      \u003C\/div\u003E\n      \u003Cdiv class=\u0022col-lg-4 col-md-4 insead-white individual-right-sidebar\u0022\u003E\n\n                  \u003Cdiv class=\u0022sidebar-block\u0022\u003E\n            \u003Cspan class=\u0022sidebar-heading\u0022\u003E\n                              Related Material\n                          \u003C\/span\u003E\n            \u003Chr\u003E\n            \u003Cdiv class=\u0022related-cases-list-block\u0022\u003E\n                              \u003Cdiv class=\u0022field--item\u0022\u003E\n                  \n\n\n\u003Cdiv about=\u0022\/case\/fwd-indonesia-and-bri-life-b-partnering-rapid-growth\u0022 class=\u0022node node--type-case-study node--view-mode-teaser-minimal clearfix case-study-teaser-minimal\u0022\u003E\n  \u003Cdiv class=\u0022case-minmal\u0022\u003E\n          \u003Cp class=\u0022font-size-12 green-october-text case-author\u0022\u003E\u003Cspan class=\u0022green-april-text text-uppercase\u0022\u003E\u003C\/span\u003E\u0026nbsp;CASE STUDY\u003C\/p\u003E\n        \u003Cdiv\u003E\n                          \u003Cimg class=\u0022new-icon\u0022 src=\u0022\/themes\/custom\/case_publishing\/dist\/images\/new-icon.png\u0022 alt=\u0022extra\u0022 title=\u0022New case\u0022\u003E\n                            \u003C\/div\u003E\n  \u003C\/div\u003E\n  \u003Cp class=\u0022font-size-16 recently-viewed__title mb-2 green-october-text\u0022\u003E \u003Ca class=\u0022green-october-text\u0022 href=\u0022\/case\/fwd-indonesia-and-bri-life-b-partnering-rapid-growth?src=related-case\u0022 rel=\u0022bookmark\u0022\u003E\u003Cspan class=\u0022field field--name-title field--type-string field--label-hidden\u0022\u003EFWD in Indonesia and BRI Life (B): Partnering for Rapid Growth\u003C\/span\u003E\n\u003C\/a\u003E\n  \u003C\/p\u003E\n\n      \u003Cp class=\u0022font-size-12 green-october-text case-author\u0022\u003E\u003Cspan class=\u0022green-april-text\u0022\u003EBy\u003C\/span\u003E\u0026nbsp;\n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/v-paddy-padmanabhan\u0022 hreflang=\u0022en\u0022\u003EV. (Paddy) Padmanabhan\u003C\/a\u003E,\u0026nbsp;\u003C\/span\u003E\n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/guoli-chen\u0022 hreflang=\u0022en\u0022\u003EGuoli Chen\u003C\/a\u003E,\u0026nbsp;\u003C\/span\u003E\n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/jean-wee\u0022 hreflang=\u0022en\u0022\u003EJean Wee\u003C\/a\u003E\u003C\/span\u003E\n\n\n\u003C\/p\u003E\n  \n    \n        \n        \n  \u003Cdiv class=\u0022row cases-links-block\u0022\u003E\n    \u003Cdiv class=\u0022col-lg-12\u0022\u003E\n      \u003Cul class=\u0022cases-links\u0022\u003E\u003C\/ul\u003E\n    \u003C\/div\u003E\n  \u003C\/div\u003E\n\n\n      \u003Ca id=\u0022add-to-cart\u0022 class=\u0022use-ajax btn white-text btn-style insead-red rounded-50 related-cases\u0022 href=\u0022\/cases\/154686\/add-to-cart\u0022 \u003EAdd to Cart \u003Ci class=\u0022fa icon-style fa-shopping-cart\u0022\u003E\u003C\/i\u003E \u003C\/a\u003E\n    \u003C\/div\u003E\n\u003C!-- Modal --\u003E\n    \u003Cdiv class=\u0022modal fade basic-modal\u0022 id=\u0022freeTrailModal_154686\u0022 tabindex=\u0022-1\u0022\n    role=\u0022dialog\u0022 aria-labelledby=\u0022freeTrialModalLabel\u0022\n    aria-hidden=\u0022true\u0022\u003E\n    \u003Cdiv class=\u0022modal-dialog\u0022 role=\u0022document\u0022\u003E\n      \u003Cdiv class=\u0022modal-content\u0022\u003E\n        \u003Cdiv class=\u0022modal-header green-august\u0022\u003E\n          \u003Cspan class=\u0022modal-title\u0022\u003EFree Trial\u003C\/span\u003E\n          \u003Cbutton type=\u0022button\u0022 class=\u0022close\u0022 data-bs-dismiss=\u0022modal\u0022\n            aria-label=\u0022Close\u0022\u003E\n            \u003Cspan aria-hidden=\u0022true\u0022\u003E\u00d7\u003C\/span\u003E\n          \u003C\/button\u003E\n        \u003C\/div\u003E\n        \u003Cdiv class=\u0022modal-body\u0022\u003E\n          \u003Cdiv class=\u0022btn-group case-document-link\u0022\u003E\n            \u003Cdiv class=\u0022button-block\u0022\u003E\n              \u003Ca class=\u0022btn green-february-text btn-square green-august btn-group case-document-link mb-2\u0022\n                href=\u0022\u0022 target=\u0022_blank\u0022\u003E\n                Preview as an Educator \u003Ci\n                  class=\u0022fa icon-square fa-share\u0022\u003E\u003C\/i\u003E\n              \u003C\/a\u003E\n              \u003Ca class=\u0022btn green-february-text btn-square green-august\u0022\n                href=\u0022\u0022 target=\u0022_blank\u0022\u003E\n                Preview as a Student \u003Ci\n                  class=\u0022fa icon-square fa-share\u0022\u003E\u003C\/i\u003E\n              \u003C\/a\u003E\n            \u003C\/div\u003E\n          \u003C\/div\u003E\n        \u003C\/div\u003E\n      \u003C\/div\u003E\n    \u003C\/div\u003E\n  \u003C\/div\u003E\n\n                \u003C\/div\u003E\n                              \u003Cdiv class=\u0022field--item\u0022\u003E\n                  \n\n\n\u003Cdiv about=\u0022\/case\/fwd-indonesia-and-bri-life-c-next-bound\u0022 class=\u0022node node--type-case-study node--view-mode-teaser-minimal clearfix case-study-teaser-minimal\u0022\u003E\n  \u003Cdiv class=\u0022case-minmal\u0022\u003E\n          \u003Cp class=\u0022font-size-12 green-october-text case-author\u0022\u003E\u003Cspan class=\u0022green-april-text text-uppercase\u0022\u003E\u003C\/span\u003E\u0026nbsp;CASE STUDY\u003C\/p\u003E\n        \u003Cdiv\u003E\n                          \u003Cimg class=\u0022new-icon\u0022 src=\u0022\/themes\/custom\/case_publishing\/dist\/images\/new-icon.png\u0022 alt=\u0022extra\u0022 title=\u0022New case\u0022\u003E\n                            \u003C\/div\u003E\n  \u003C\/div\u003E\n  \u003Cp class=\u0022font-size-16 recently-viewed__title mb-2 green-october-text\u0022\u003E \u003Ca class=\u0022green-october-text\u0022 href=\u0022\/case\/fwd-indonesia-and-bri-life-c-next-bound?src=related-case\u0022 rel=\u0022bookmark\u0022\u003E\u003Cspan class=\u0022field field--name-title field--type-string field--label-hidden\u0022\u003EFWD in Indonesia and BRI Life (C): The Next Bound\u003C\/span\u003E\n\u003C\/a\u003E\n  \u003C\/p\u003E\n\n      \u003Cp class=\u0022font-size-12 green-october-text case-author\u0022\u003E\u003Cspan class=\u0022green-april-text\u0022\u003EBy\u003C\/span\u003E\u0026nbsp;\n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/v-paddy-padmanabhan\u0022 hreflang=\u0022en\u0022\u003EV. (Paddy) Padmanabhan\u003C\/a\u003E,\u0026nbsp;\u003C\/span\u003E\n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/guoli-chen\u0022 hreflang=\u0022en\u0022\u003EGuoli Chen\u003C\/a\u003E,\u0026nbsp;\u003C\/span\u003E\n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/jean-wee\u0022 hreflang=\u0022en\u0022\u003EJean Wee\u003C\/a\u003E\u003C\/span\u003E\n\n\n\u003C\/p\u003E\n  \n    \n        \n        \n  \u003Cdiv class=\u0022row cases-links-block\u0022\u003E\n    \u003Cdiv class=\u0022col-lg-12\u0022\u003E\n      \u003Cul class=\u0022cases-links\u0022\u003E\u003C\/ul\u003E\n    \u003C\/div\u003E\n  \u003C\/div\u003E\n\n\n      \u003Ca id=\u0022add-to-cart\u0022 class=\u0022use-ajax btn white-text btn-style insead-red rounded-50 related-cases\u0022 href=\u0022\/cases\/154681\/add-to-cart\u0022 \u003EAdd to Cart \u003Ci class=\u0022fa icon-style fa-shopping-cart\u0022\u003E\u003C\/i\u003E \u003C\/a\u003E\n    \u003C\/div\u003E\n\u003C!-- Modal --\u003E\n    \u003Cdiv class=\u0022modal fade basic-modal\u0022 id=\u0022freeTrailModal_154681\u0022 tabindex=\u0022-1\u0022\n    role=\u0022dialog\u0022 aria-labelledby=\u0022freeTrialModalLabel\u0022\n    aria-hidden=\u0022true\u0022\u003E\n    \u003Cdiv class=\u0022modal-dialog\u0022 role=\u0022document\u0022\u003E\n      \u003Cdiv class=\u0022modal-content\u0022\u003E\n        \u003Cdiv class=\u0022modal-header green-august\u0022\u003E\n          \u003Cspan class=\u0022modal-title\u0022\u003EFree Trial\u003C\/span\u003E\n          \u003Cbutton type=\u0022button\u0022 class=\u0022close\u0022 data-bs-dismiss=\u0022modal\u0022\n            aria-label=\u0022Close\u0022\u003E\n            \u003Cspan aria-hidden=\u0022true\u0022\u003E\u00d7\u003C\/span\u003E\n          \u003C\/button\u003E\n        \u003C\/div\u003E\n        \u003Cdiv class=\u0022modal-body\u0022\u003E\n          \u003Cdiv class=\u0022btn-group case-document-link\u0022\u003E\n            \u003Cdiv class=\u0022button-block\u0022\u003E\n              \u003Ca class=\u0022btn green-february-text btn-square green-august btn-group case-document-link mb-2\u0022\n                href=\u0022\u0022 target=\u0022_blank\u0022\u003E\n                Preview as an Educator \u003Ci\n                  class=\u0022fa icon-square fa-share\u0022\u003E\u003C\/i\u003E\n              \u003C\/a\u003E\n              \u003Ca class=\u0022btn green-february-text btn-square green-august\u0022\n                href=\u0022\u0022 target=\u0022_blank\u0022\u003E\n                Preview as a Student \u003Ci\n                  class=\u0022fa icon-square fa-share\u0022\u003E\u003C\/i\u003E\n              \u003C\/a\u003E\n            \u003C\/div\u003E\n          \u003C\/div\u003E\n        \u003C\/div\u003E\n      \u003C\/div\u003E\n    \u003C\/div\u003E\n  \u003C\/div\u003E\n\n                \u003C\/div\u003E\n                          \u003C\/div\u003E\n          \u003C\/div\u003E\n        \n        \u003Cdiv class=\u0022sidebar-block\u0022\u003E\n          \u003Cspan class=\u0022sidebar-heading\u0022\u003E\n                          About the Author(s)\n                      \u003C\/span\u003E\n          \u003Chr\u003E\n                      \u003Cdiv class=\u0022sidebar-block-body\u0022\u003E\n              \u003Cdiv class=\u0022author-image-wrapper\u0022\u003E\n                                  \u003Cimg src=\u0022\/sites\/publishing\/files\/V.%20%28Paddy%29-Padmanabhan-12852_30.jpg\u0022 alt=\u0022Padmanabhan\u0022 class=\u0022rounded-circle\u0022\/\u003E\n                              \u003C\/div\u003E\n              \u003Cdiv class=\u0022sidebar-content\u0022\u003E\n                \u003Cdiv class=\u0022sidebar-sub-title green-july-text\u0022\u003E\n                  \u003Ch4\u003E\n                    \u003Ca href=\u0022\/author\/v-paddy-padmanabhan\u0022 class=\u0022green-july-text\u0022 target=\u0022_blank\u0022\u003E\n                      V. (Paddy)\u0026nbsp;Padmanabhan\n                    \u003C\/a\u003E\n                  \u003C\/h4\u003E\n                \u003C\/div\u003E\n                \u003Cdiv class=\u0022sidebar-sub-content green-december-dark-text author-designation\u0022\u003E\n                  Professor of Marketing\n                \u003C\/div\u003E\n              \u003C\/div\u003E\n            \u003C\/div\u003E\n                      \u003Cdiv class=\u0022sidebar-block-body\u0022\u003E\n              \u003Cdiv class=\u0022author-image-wrapper\u0022\u003E\n                                  \u003Cimg src=\u0022\/sites\/publishing\/files\/Guoli-Chen-12927_95.jpg\u0022 alt=\u0022Chen\u0022 class=\u0022rounded-circle\u0022\/\u003E\n                              \u003C\/div\u003E\n              \u003Cdiv class=\u0022sidebar-content\u0022\u003E\n                \u003Cdiv class=\u0022sidebar-sub-title green-july-text\u0022\u003E\n                  \u003Ch4\u003E\n                    \u003Ca href=\u0022\/author\/guoli-chen\u0022 class=\u0022green-july-text\u0022 target=\u0022_blank\u0022\u003E\n                      Guoli\u0026nbsp;Chen\n                    \u003C\/a\u003E\n                  \u003C\/h4\u003E\n                \u003C\/div\u003E\n                \u003Cdiv class=\u0022sidebar-sub-content green-december-dark-text author-designation\u0022\u003E\n                  Professor of Strategy\n                \u003C\/div\u003E\n              \u003C\/div\u003E\n            \u003C\/div\u003E\n                      \u003Cdiv class=\u0022sidebar-block-body\u0022\u003E\n              \u003Cdiv class=\u0022author-image-wrapper\u0022\u003E\n                                  \u003Cimg src=\u0022\/sites\/publishing\/files\/Jean-Wee-3555_13.jpg\u0022 alt=\u0022Wee\u0022 class=\u0022rounded-circle\u0022\/\u003E\n                              \u003C\/div\u003E\n              \u003Cdiv class=\u0022sidebar-content\u0022\u003E\n                \u003Cdiv class=\u0022sidebar-sub-title green-july-text\u0022\u003E\n                  \u003Ch4\u003E\n                    \u003Ca href=\u0022\/author\/jean-wee\u0022 class=\u0022green-july-text\u0022 target=\u0022_blank\u0022\u003E\n                      Jean\u0026nbsp;Wee\n                    \u003C\/a\u003E\n                  \u003C\/h4\u003E\n                \u003C\/div\u003E\n                \u003Cdiv class=\u0022sidebar-sub-content green-december-dark-text author-designation\u0022\u003E\n                  \n                \u003C\/div\u003E\n              \u003C\/div\u003E\n            \u003C\/div\u003E\n                  \u003C\/div\u003E\n\n      \u003C\/div\u003E\n    \u003C\/div\u003E\n  \u003C\/div\u003E\n\u003C\/div\u003E\n\n","settings":null}]