InsurTech4good.com

InsurTech4good.com is a boutique consultancy and knowledge hub providing regulatory strategy, thought leadership, innovation research, and policy advisory services to insurers, InsurTechs, and regulators worldwide.

It also offers a weekly InsurTech regulatory and policy newsletter, trusted by over 3,400 industry leaders for the latest insights on regulation, policy, and business models.

For tailored insights, strategic advice, or collaboration opportunities, get in touch to explore how InsurTech4good can support your goals.

Founder and InsurTech consultant

Finance, Freedom, Fellows (fff.club)

fff.club is a community where top tech people unite to generate collective power and participate in unique deals across various asset classes.

Member

European Insurance and Occupational Pensions Authority (EIOPA)

• EIOPA InsurTech Task Force Rapporteur
• Representing EIOPA in the International Association of Insurance Supervisors (IAIS) FinTech Forum
•	Researching technical and supervisory issues in the area of digitalization from a multidisciplinary perspective
•	Assessing supervisory practices aiming to foster financial innovation
•	Focusing on open insurance/open finance, online distribution and disclosures, the use of blockchain/DLT in insurance, business model changes and platformisation

Senior InsurTech expert

European Commission

The group will provide advice and expertise to DG Financial Stability and Capital Markets Union (FISMA) in relation to the preparation of legislative proposals and policy initiatives in the field of data sharing in the financial sector, to further the establishment of a common financial data space in the EU.

European Commission Expert Group on European Financial Data Space

IAIS - International Association of Insurance Supervisors 

The IAIS Fintech Forum is a virtual forum of technical experts from the IAIS’ diverse membership. It serves as a platform to share practical insights and experiences on FinTech-related developments influencing the insurance sector and insurance supervisors globally.

FinTech Forum Member and Open Insurance co-lead

Haapsalu Neurological Rehabilitation Centre

Haapsalu Neurological Rehabilitation Centre is a hospital focused on providing rehabilitation services for children and adults with neurological disorders.

I represented Ministry of Finance in the Supervisory Board.

Member of Supervisory Board

Estonian Ministry of Finance / Rahandusministeerium

My tasks included developing policies, preparing draft legislation and coordinating the implementation of legislation for the field of insurance, pension funds and other financial services related to the field of social security. I was also responsible for some horizontal topics related to financial sector in general (e.g. financial innovation, data protection, administrative and criminal sanctions in financial sector). In addition I was also responsible for taking part in the EU decision making process as well as the transposition of EU law into domestic law (e.g. IDD).

Lawyer, Insurance Policy Department

I took part of the process of preparing the drafts of legislative acts and controlling its compliance with the Constitution of the Republic of Estonia, the generally recognized principles and rules of international law, international agreements binding on the Republic of Estonia, EU law as well as with regulatory rules of draft legislative acts.

Legal Advisor, Legal Department

Council of the European Union

Estonian Presidency Member of the Working Party on Insurance (PEPP)

Permanent Representation of Estonia to the EU

Temporary Secondment

Estonian Social Insurance Board (Sotsiaalkindlustusamet)

I organized and coordinated the granting and payment of the state pensions, benefits and compensations and ensured that pensions and benefits according to the national legislation, the EU law and international agreements were rewarded to people in due time.

Chief Specialist

I’m Andres, an ex-regulator and policymaker with 15+ years of experience in insurance, FinTech, InsurTech, and digital finance regulation, policymaking, and supervision. 

Now, as an independent advisor through my boutique consultancy, InsurTech4Good.com , I bridge the gap between innovation and regulation—working with both regulators and industry leaders worldwide.

🟢Why trust me?⚫

With experience at national, European, and global levels, I offer a unique mix of regulatory expertise, policymaking insight, and a deep understanding of emerging trends in InsurTech and digital finance.

My career spans from Estonia—one of the world’s most digitally advanced countries—to key roles in European and global insurance regulatory bodies. 

At European Insurance and Occupational Pensions Authority (EIOPA), I served as rapporteur for the InsurTech Task Force, leading initiatives on digitalization, platform economy, blockchain, and overall digital finance strategy, open insurance and the EU Framework for Financial Data Access (FIDA).

Internationally, I worked with the International Association of Insurance Supervisors  (IAIS) FinTech Forum, co-leading the Open Insurance Subgroup. 

I also designed the EU Supervisory Digital Finance Academy (EU-SDFA), which has trained over 1,500 financial supervisors across the EU on digital finance risks and opportunities.

Earlier, at Estonia’s Ministry of Finance, I focused on insurance and pension fund policies, data protection, and financial innovation, contributing to EU decision-making and implementing Solvency II, IDD, and GDPR into national law.

When I’m not working on financial regulation, you’ll find me snowboarding, wakeboarding, traveling, or hiking—often with a camera in hand.

🟢How can we work together?⚫

1. Regulatory Strategy & Advisory – Expert insights on InsurTech regulation, policy advisory, and thought leadership. I help businesses navigate open insurance, FIDA, the AI Act’s impact on insurance, and other key regulatory developments.

2. Regulatory Training & Workshops – I design and deliver tailored training on AI regulation, FIDA, open insurance, and EU digital finance policies, helping teams stay ahead of regulatory changes.

3. Speaking Engagements – Looking for a speaker to bridge financial innovation and regulation? Let’s talk.

4. Stay Updated – Subscribe to my free weekly newsletter at InsurTech4Good.com

5. Follow Me on LinkedIn – I share daily updates on InsurTech trends and regulations.

Connect with me here or reach out via email andres@insurtech4good.com

Breaking: the European Commission has just published its European Data Union Strategy.

In short, it aims to:

🟢 Fuel AI with high-quality data by scaling access to trusted datasets for businesses, SMEs, and researchers.

⚫ Simplify and modernise EU data rules (incl. the Data Act) to cut compliance costs and make data sharing easier.

🟢 Safeguard EU data sovereignty while keeping data flows open with trusted partners.

Views?

Andres Lehtmets

Andres is working for the European Insurance and Occupational Pensions Authority (EIOPA) as rapporteur for an InsurTech Task Force, which leads EIOPA's work on digitalisation. In particular he is focusing on topics such as new business models, platform economy, online disclosures, blockchain and open finance/open insurance. He was coordinating EIOPA´s work on the European Commission Call for Advice on Digital Finance. Andres is also representing EIOPA in the International Association of Insurance Supervisors (IAIS) FinTech Forum. 

Prior to joining the EIOPA, Andres spent several years at the Insurance Policy Department in the Ministry of Finance of the Republic of Estonia where he was developing policies on insurance and pension funds, focusing on data protection and financial innovation. He was also taking part in the EU decision making process as well as the transposition of EU law into domestic law (e.g. Solvency II, IDD, GDPR). 

Under the Estonian Presidency of the Council of the EU in 2017 he was member of the Working Party on Insurance (PEPP). 

Andres has obtained Master degree in Public Law from Tallinn University of Technology (cum laude) and Master degree in Law and Information Society from University of Turku.

❗The views expressed here in LinkedIn are exclusively my own and should not be considered as representing the views/policies of the EIOPA with which I´m affiliated. Liking/sharing something here should not be considered as endorsement. It might just mean it is noteworthy from policy/supervisory perspective.

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Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Andres Lehtmets's LinkedIn Performance

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Andres Lehtmets's Linkedin Analytics

Performance ScoreAndres Lehtmets's LinkedIn Performance

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