Mutual insurance – The most modern business model in insurance

In this webinar, insurance academic Dr Antti Talonen reflects on the key trends in insurance today and in the future with a special focus on the specific characteristics of customer ownership and mutual insurance. Taking inspiration from his vast international research on the sector, Antti shares his thoughts on the 10 most important ideas of mutuality that he believes should be taken into account by every mutual/cooperative insurance company. Concluding that the mutual model is the most modern business model in insurance, Antti provides an analytical understanding of mutuals that will be of interest for insurance professionals, regulators and legislators, as well as academic scholars.


  • Dr Antti Talonen, Postdoctoral Researcher, Governance of Sustainable Business Models, University of Helsinki (Finland) and Member of EIOPA Insurance and Reinsurance Stakeholder Group.

Dr Antti Talonen is an academic scholar with an extensive experience and background in the field of insurance. He holds a doctoral degree in insurance science from the Tampere University (Finland) where he defended his doctoral dissertation on mutual insurance companies (“Customer Ownership and Mutual Insurance Companies: Refining the role and processes of psychological ownership”). In his current role at the University of Helsinki’s Faculty of Law, he has continued focusing in insurance under his research theme of governance of sustainable business models. In the international scientific community, Talonen acts as the associate editor of the Journal of Co-operative Organization and Management which is the number one outlet in the world for this theme and is published by Elsevier. Talonen has a strong background in collaborating in the interface of science and practice. He serves as a member of EIOPA’s Insurance and Reinsurance Stakeholder Group as well as being a member of the Expert Group on Digital Ethics in Insurance. He is also the co-founder and -organizer of an annually held MIC-conference bringing together the academic and practical worlds to discuss common and current issues facing insurance industry. 

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