Ai-Native Episodes

Juan García—co-founder of Tuio, an AI-native insurer based in Spain—joins me to talk about what happens when you rethink an industry from first principles. Juan started in engineering at Cisco, moved through strategy consulting, and then built Orange Insurance—where he saw just how broken the insurance industry really was.
The 25-55 customer segment is digitally native. They buy groceries online, manage finances on their phones, and don't want to call anyone. But legacy insurers weren't built for them—and worse, this segment was unprofitable because they're too informed. They use price comparison sites. They read Trustpilot. They know what they're buying.
So Juan and his co-founders built Tuio: a self-service, data-driven platform where customers actually buy insurance themselves. They went against the industry mantra—"insurance is not bought, it's sold"—and proved it could work.
The AI applications are fascinating. They can see which device you're browsing from and adjust risk pri…