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    Andrew Crean

    Senior Analyst specializing in the UK and European insurance sector at Autonomous

    Andrew Crean is a Senior Analyst specializing in the UK and European insurance sector at Autonomous, with a track record of analyzing insurers since 1982. He covers major insurance firms such as Phoenix Group, Legal & General Group, and Aviva, and is recognized for longstanding expertise and respected industry insights. Crean began his analyst career more than four decades ago and is a founding member of Autonomous, contributing deep sector intelligence and research leadership throughout his tenure. While specific quantitative performance metrics and credentials are not publicly detailed, his extensive coverage and reputation underscore his status as a leading insurance analyst in Europe.

    Andrew Crean's questions to PRUDENTIAL (PUK) leadership

    Andrew Crean's questions to PRUDENTIAL (PUK) leadership • H1 2025

    Question

    Andrew Crean of Autonomous Research requested the specific timing for the remaining $600 million of capability investment through 2027. He also asked for the exact percentage decline in active agent numbers in H1 2025 and the expected growth rate for active agents in 2026 and 2027.

    Answer

    CEO Anil Wadhwani provided a detailed investment timeline, with approximately $100-120 million by year-end 2025 and $200-250 million in 2026, front-loading the spend. He stated that active agents were down 7% year-on-year in H1 2025 and that the company is targeting 7% to 10% annual growth in active agents for 2026 and 2027.

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    Andrew Crean's questions to PRUDENTIAL (PUK) leadership • Q1 2023

    Question

    Probed further on the calculation of excess capital, the potential scale of M&A, the likelihood of buying out JV partners, and plans for Traditional Embedded Value (TEV) reporting.

    Answer

    The CFO confirmed the analyst's math on deployable capital was "broadly right." The size of inorganic deals depends on the opportunity, but they have the capital strength. Buying out JV partners in China and India is not a near-term focus; the priority is organic growth with them. Regarding TEV, the CFO acknowledged the request but noted the current focus is on IFRS 17 and driving operational performance, though they remain open-minded.

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