Page 20 - IB March 2025

Insurance

INSURANCE SECTOR TAPS INTO AI

By Ema Ganivatu However, these improvements need a solid foundation of
efficient end-to-end processes. Deloitte advises that insurers
The insurance industry is under pressure to transform. This must build a scalable, automated operating model before
shift is global, and is about improving customer experience expanding their AI efforts. Without this foundation, insurers
and ensuring efficiency, cost-effectiveness, and sustainability could face problems dealing with future market changes and
in a highly competitive environment. challenges.
One of the most significant drivers of this transformation is Deloitte’s research shows that more people feel using AI
incorporating artificial intelligence (AI) and generative AI (gen tools at work could make employers seem less empathetic
AI) into business operations. or human. To avoid this, insurers must create a culture of
Deloitte’s 2025 Global Insurance Outlook says the insurance human sustainability — focusing on employee well-being and
ecosystem is experiencing its “iPhone moment”, a tipping ensuring AI tools support, rather than replace, human roles.
point where the capabilities of AI are not only understood, but When employees see AI as an asset rather than a threat,
seen as essential to the industry’s future. they’re more likely to accept it and work together to reach
A recent Deloitte survey found that 76% of US insurance the company’s goals.
executives have already implemented gen AI capabilities The talent needed to build and manage AI systems is in high
across one or more business functions. demand, so insurers must invest in technology and workforce
But the Asia Pacific region is leading the charge. Factors like development.
the availability of technical talent and a culture that’s more Sandee Suhrada, a principal at Deloitte Consulting LLP,
in tune with technology are driving this trend. points out how tech and talent go hand in hand: “In the AI
Similarly, customer service is experiencing significant space, technology and talent are two sides of the same coin.”

change, with insurers using chatbots and other AI-powered Insurers must create an ecosystem where AI and talent work
tools to answer customer questions. seamlessly to drive transformation.

TRADE MARK CAUTIONARY NOTICE
TRADE MARK CAUTIONARY NOTICE IN
MICRONESIA AND PALAU
IN
TRADE MARK CAUTIONARY NOTICE IN MICRONESIA
MICRONESIA TRADE MARK CAUTIONARY NOTICE
Calbee, Inc., a com
KENVUE INC., a Delaware corporation, of 1 Kenvue Way, Summit, New pany incorporated under the laws of Japan, of 1-8-3, Marunouchi,
IN MICRONESIA AND PALAU
Jersey 07901, United States of America, does hereby provide notice
KENVUE INC., a Delaware corporation, of 1 Kenvue Way, Summit, New Jersey 07901, United
Chiyoda-ku, Tokyo, Japan, does hereby provide notice that it claims proprietorship of the
that it claims proprietorship of the trade mark Calbee, Inc., a company incorporated under the laws of Japan, of 1-8-3,
States of America, does hereby provide notice that it claims proprietorship of the trade mark
Marunouchi, Chiyoda-ku, Tokyo, Japan, does hereby provide notice that it
trade mark
claims proprietorship of the trade mark
NEUTROGENA
CALBEE
in relation to: in relation to: in relation to:
in relation to:
Facial skincare products, namely, facial moisturizing cream, Potato chips, potato crisps; french-fried potatoes; potato puffs; potato
Facial skincare products, namely, facial moisturizing cream, facial moisturizing gel,
snacks in the form of sticks; sweet potato chips, sweet potato crisps;
facial moisturizing gel, facial moisturizing lotion, facial cleanser,
shrimp flavored chips; vegetable based snack food; potato based snack
facial moisturizing lotion, facial cleanser, wipes impregnated with make-up removing
wipes impregnated with make-up removing preparations; wipes
food; sweet potato based snack food; bean based snack food; pea based
Potato chips
impregnated with cosmetic lotions, facial scrub, facial beauty strips; , potato crisps; french-fried potatoes; potato puffs; potato snacks in the
preparations; wipes impregnated with cosmetic lotions, facial scrub, facial beauty strips;
facial strips for acne care; nose strips for the treatment of blackheads, snack food; fruit based snack food; soya bean milk; processed peanuts;
form of sticks; sweet potato chips, sweet potato crisps; shrimp flav
meat, fish, poultry and game; meat extracts; preserved, dried and cooked ored chips;
facial strips for acne care; nose strips for the treatment of blackheads, facial mask, facial
facial mask, facial astringent, facial treatment cream, facial treatment
fruits and vegetables; jellies, jams, compotes; eggs, milk and milk products;
astringent, facial treatment cream, facial treatment gel, facial treatment lotion, facial
vegetable based snack food; potato based snack food; sweet potato based snack food;
gel, facial treatment lotion, facial serum, eye treatment cream, eye
edible oils and fats; dietary supplements, other than for medical use.
treatment gel, eye treatment lotion, anti-aging cream, anti-aging
serum, eye treatment cream, eye treatment gel, eye treatment lotion, anti-aging cream,
bean based snack food; pea based snack food; fruit based snack food; soya bean milk;
gel, anti-aging lotion and treatment; body care products, namely Corn based snack food; wheat flour based snack food; cereal based
anti-aging gel, anti-aging lotion and treatment; body care products, namely body
body lotion, body cream, body wash; hand cream, hand lotion; foot snack food; ice-cream; candies; biscuits and cookies; chocolates; chewing
processed peanuts; meat, fish, poultry and game; meat extracts; preserved, dried and
gums; pastries and bread; corn chips, corn flakes; wheat flour; cereal
lotion, body cream, body wash; hand cream, hand lotion; foot cream, foot lotion;
cream, foot lotion; cosmetics, namely foundation, face makeup,
cooked fruits and vegetables; jellies, jams, compotes; eggs, milk and milk products;
liquid makeup, cosmetics, namely makeup, pressed powder, loose
cosmetics, namely foundation, face makeup, liquid makeup, cosmetics, namely preparations; snack foods consisting principally of vegetables; snack foods
consisting principally of root vegetables; shrimp chips; prawn crackers;
powder, corrective concealer, concealer, blush, bronzer, lipstick, lip
makeup, pressed powder, loose powder, corrective concealer, concealer, blush,
edible oils and fats; dietary supplements, other than for medical use
snack foods prepared from potato flour; snack foods prepared from wheat
gloss, mascara; hair care products, namely shampoo, conditioner,
bronzer, lipstick, lip gloss, mascara; hair care products, namely shampoo, conditioner, ee, tea, cocoa, sugar, rice, tapioca, sago, artificial coffee; flour
flour; coff
leave-in treatments; sunscreen; acne cleanser; acne moisturizers;
and preparations made from cereals, bread, pastry and confectionery,
sunscreen product; sunless tanning; facial cosmetic exfoliating pads.
leave-in treatments; sunscreen; acne cleanser; acne moisturizers; sunscreen product;
Corn based snack food; wheat flour based snack food; cereal based snack food; ice-
sunless tanning; facial cosmetic exfoliating pads. ices; honey, treacle; yeast, baking powder; salt, mustard; vinegar, sauces
KENVUE INC. cautions that any use of the trade mark or any confusingly (condiments); spices, ice; dietary supplements, other than for medical use.
cream; candies; biscuits and cookies; chocolates; chewing gums; pastries and bread;
similar trade mark in relation to any of these goods or similar goods, Calbee, Inc. cautions that any use of the trade mark or any confusingly
would be seen as infringement of their rights and that they will take such
KENVUE INC. cautions that any use of the trade mark or any confusingly similar trade mark in
corn chips, corn flakes; wheat flour; cereal preparations; snack foods consisting
similar trade mark in relation to any of these goods or similar goods, would
action deemed necessary to protect those rights.
relation to any of these goods or similar goods, would be seen as infringement of their rights infringement of their rights and that they will take such action
be seen as
principally of vegetables; snack foods consisting principally of root vegetables; shrimp
and that they will take such action deemed necessary to protect those rights. deemed necessary to protect those rights.
KENVUE INC. can be contacted care of their address for service:
chips; prawn crackers; snack foods prepared from potato flour;
Calbee, Inc. can be contacted care of their address for service: snack foods prepared
AJ Park, Level 22, Aon Centre, 1 Willis Street, Wellington 6011, New
AJ Park, Level 22, Aon Centre, 1 Willis Street, Wellington 6011,
KENVUE INC. can be contacted care of their address for service: from wheat flour; coffee, tea, cocoa, sugar, rice, tapioca, sago, artificial coffee; flour and
Zealand, mail@ajpark.com
New Zealand, mail@ajpark.com
preparations made from cereals, bread, pastry and confectionery, ices; honey, treacle;
AJ Park, Level 22, Aon Centre, 1 Willis Street, Wellington 6011, New Zealand,
mail@ajpark.com yeast, baking powder; salt, mustard; vinegar, sauces (condiments); spices, ice; dietary
20 Islands Business, March 2025
supplements, other than for medical use
Calbee, Inc. cautions that any use of the trade mark or any confusingly similar trade mark in
relation to any of these goods or similar goods, would be seen as infringement of their rights
and that they will take such action deemed necessary to protect those rights.
Calbee, Inc. can be contacted care of their address for service:
AJ Park, Level 22, Aon Centre, 1 Willis Street, Wellington 6011, New Zealand,
mail@ajpark.com
cautionary notice for neutrogena.docx
cautionary notice for calbee 2025.docx