Ninety Know How

Read our thinking.

Original, practical thinking on innovation in insurance — the reports and provocations our teams publish, and the same thinking we bring into the room with clients. Independent, evidence-based, and free to read.

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Reports & insights

Idea Pulse 2026

Idea Pulse 2026

Our annual, independent read of the ideas, trends and technology driving change across global insurance.

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Blueprint 2026

Blueprint 2026

The Six Cs: the six conditions that decide how quickly a carrier turns a problem into a product — and how to find the one holding you back.

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Futurescapes 2026

Futurescapes 2026

Ten trends from VML's Future 100, read with an insurance brain switched on, and thirty ideas nobody has built yet.

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Social Innovation Shift

Social Innovation Shift

A closer look at the fundamental role insurance plays in society, and where it can do far more good.

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