
For more than a decade, insurance companies have been increasingly willing to use Agile methodologies, combining their utility across customer experience, claims, underwriting and IT systems. However, in recent years, this very popular approach to software development has been met with much disapproval. While it is important to be alert to criticism, in this case it is premature.
Agility is primarily associated with flexibility, continuous growth, an iterative approach, team collaboration and constant customer feedback. The focus is on direct, mutual communication and the continuous improvement of the implemented product, even at a late stage of the project. It is not a rigid set of rules, but rather a declaration, a proposed direction of software development. How it is accepted, interpreted and implemented depends largely on the organisation and its managers.
Scrum, on the other hand, is a clearly defined structure that enables an organisation to implement Agile. It specifies how people should cooperate and who should implement the tasks. This set of rules that you'd use here, is referred to as the Scrum Guide.
DevOps is an area that has evolved naturally alongside Agile. It is a practical approach that combines software development (Dev) and IT operations (Ops). Its purpose is to deliver high-quality code by enabling frequent and reliable releases and enhancing systems quality and stability. DevOps uses a subset that is called Continuous Integration/Continuous Delivery (CI/CD), which defines how often developers should merge code, and focuses on automated builds, tests and deployment.
Agile and Scrum have been criticised for promoting a judgemental and hurtful environment with restrictive rules. They allegedly block creative problem-solving, and employees feel tired of the constant sprints, imposed work pace, and frequent changes to the scope of work. On the other hand, it is claimed that developers spend too much time in meetings (unfairly labelled as “social gatherings”) instead of working on the product.
Let's look at some objections and try to answer them.
Before we address this objection, let's review what the Agile Principles say about team members: Build projects around motivated individuals. Give them the environment and support they need, and trust them to get the job done. And: The best architectures, requirements, and designs emerge from self-organizing teams.
It’s not a revelation to say that people make a company. When individuals support each other in achieving a common goal, a thriving business is created.
A manager’s duties include ensuring that the job is done properly. They must also foster good working conditions, by providing appropriate resources and support. Team members are responsible for reporting problems and blockers. For this system to work, mutual trust is necessary. Managers must trust that they have chosen the right people for the tasks and give them the freedom to act. Giving up some control will be difficult, but it is worth it. Employees must feel able to share any problems they have, safe in the knowledge that they will get the support they need.
Today, every successful financial institution is a software company at heart
The Agile Principles on meetings say that: Business people and developers must work together daily throughout the project. And: At regular intervals, the team reflects on how to become more effective, then tunes and adjusts its behaviour accordingly.
In Scrum meetings are called “events”: Daily, Refinement, Retrospective and Planning. What are they for? They allow you to focus on a specific aspect of the delivery. The entire team’s attention is directed towards a specific task, such as estimating the workload, reflecting on how the team has been working recently or planning the next tasks. Their regularity helps maintain a routine and a steady work pace.
If they are conducted wisely, daily meetings can improve communication. They should not be just 15-minute sessions without deeper focus. The Scrum Master plays a key role in maintaining these events, acting as a skilled leader who covers the cross-section of the team’s tasks and skilfully ties up the loose ends.
Sometimes a company or a team will give up on a meeting, assuming that "everyone knows what to do" or "everyone knows what problems we have". Often that is not the case, as people might be focused on delivering their part. If we don’t give them the opportunity to see the bigger picture, more problems will arise.
Yet again, let’s read what Agile Principles say about communication: The most efficient and effective method of conveying information to and within a development team is face-to-face conversation.
It is short-sighted not to recognise that the tasks that are performed in the project and their level of advancement change daily. Given our scope of duties and the goal we are aiming for, we should communicate often to achieve it.
Moreover, assignments are intertwined with each other. Keeping information that concerns the whole team to yourself is selfish and harmful to the entire project. The total product is made up of the work accomplished by individual people, but it is not simply the sum of its parts.
Talking about our work enables us to reflect on our own tasks, take a step back and consider what we are doing and why. Additionally, the whole team gains a comprehensive understanding of the tasks they are performing, which will pay off in the future in the form of faster decision-making and the ability to identify issues in the process.
The Scrum team is cross-functional by nature and consists of both business and IT members. In the insurance industry, for example, it might include claims adjusters, underwriters, developers, a product owner and a Scrum Master. This combination eases problem solving and speeds up the flow of information. However, it also requires from team members to be willing to reach a consensus and have good communication skills.
Interpersonal communication can be difficult and very stressful for many people, increasing mutual distrust, vigilance and a natural readiness to defend oneself. However, this does not release us from our obligation to show mutual respect to colleagues and clients. The team must give each other space to celebrate success, but also to address problems when they arise.
How we embrace them is up to us. Reflecting on what went well and what went wrong gives us an opportunity to learn from our experiences. Checking the mood of the team and clearing the atmosphere is equally important, which in turn leads to team building and improves our performance.
Agile is all about communication. It’s not easy. Implementing this way of working does not happen overnight. It requires skilled leadership, commitment from both superiors and employees, and constant practice.
Experienced Agile teams do not abandon daily meetings or ongoing summaries just because "they already know how to do Agile". They still meet because they recognise the interdependencies between their tasks, and they respect their colleagues and their work by providing them with what they need.
It’s easy to conclude that "Agile has failed" when something stops working. But before we do that, let's consider whether we really understand the principles of Agile and whether our organisation allows us to be agile.
You can dismiss a challenge by saying "This is not Agile", but such a summary solves nothing. You must look at the problem, try to analyse it and draw conclusions.
We should be open to constructive criticism and discussions about Agile, Scrum and other work methods. Conversations provide an opportunity to surface and identify problems that employees struggle with… daily.
It’s premature to dismiss Agile in insurance. Agile, Scrum, and DevOps work when treated as people-centric practices - grounded in trust, purposeful ceremonies, and continuous communication - rather than rigid checklists.
Most pain points stem from misapplication and leadership gaps; fix the behaviors, not the framework.
Weronika Polniak - Senior Business Analyst at Sollers Consulting
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