Work.

“Digitalisation and innovation are transforming the insurance value chain. Being successful in this transition, either as a regulator or as an insurance professional requires a profound understanding of both insurance and digital technologies. Andres is one of the few European leaders that master both. If you want to navigate the challenges ahead, a good guide is indispensable. Calling on Andres is one of the best insurance policies you can subscribe to safely get through the transition.”

Peter Kerstens, Adviser, European Commission

“Andres has been an incredible sounding board and collaborator for the FSCA during the development of our Insurtech diagnostic. He has a unique talent for taking high-level concepts and grounding them in practical, forward-thinking solutions. His contributions were instrumental in helping us refine our direction and ensure our approach was both robust and inclusive. Beyond his expertise, Andres is a collaborative partner who is deeply committed to the evolution of the financial sector. It was a privilege to work with him, and I look forward to any future opportunities to collaborate.”

Nolwazi Hlophe, Senior Specialist: Fintech, Financial Sector Conduct Authority, South Africa

“I went on a really great journey with Andres building our insurtech and innovation toolbox from scratch. He came with openness and curiosity, and built on these foundations a unique profile, global but rooted in Europe, and with a strong interest in real outcomes for consumers. I remember our brainstorming sessions fondly – great to bounce ideas about on where things can go. Thinking ahead 5 to 10 years is a particular skill – also cutting through hype to what is or could be driving change. Highly recommended!”

Tim Shakesby, Head of Digital Finance, EIOPA

“Andres is one of the most recognized voices in insurtech and regulation, both in Estonia and internationally. What truly sets him apart is not only his solid regulatory expertise but also his openness to innovation and new ideas – a refreshing and valuable combination. His broad knowledge of business models, initiatives, and industry lessons, combined with his wide network and insightful newsletters, makes him an inspiring professional to collaborate with. I am especially grateful for his support of Lyfery's prevention-driven life insurance journey from different perspectives. It's a pleasure to recommend Andres as a professional partner and collaborator.”

Mihkel Mandre, Founder and CEO, Lyfery

“I highly recommend Andres Lehtmets for anyone needing open insurance advice. As an ex-regulator and industry expert he brings a multi-faceted approach which is extremely interesting and useful.”

Marie Walker, Data sharing ecosystems consultant

“Andres was a distinguished speaker at our Digital Insurance MENA Conference in Dubai 2024, where he shared highly valuable insights on European InsurTech regulation and market developments. What stood out most was his ability to connect regional policy and regulatory topics to the broader global context, making his perspectives relevant and actionable for an international audience. His clear communication style, depth of expertise, and engaging delivery made him a highlight of the program. I would highly recommend Andres as a speaker, advisor, or thought leader for any event/conference at the intersection of insurance, regulation, and innovation.”

Helen Hu, Head of Production and Insurance Research, Digital Insurance

“In 2025, Andres provided training on Open Finance and Financial Data Access (FIDA) proposal, introducing the FIDA framework (covering its background, scope, consumer protection considerations, API/data standardization, and licensing/supervision requirements) as part of the high-level Banking 4.0 Summer School programme.

The training was designed for board-level and mid-management professionals in banking, fintech, insurance, and telecommunications. His lecture was interactive and engaging, encouraging participants to think beyond compliance and explore the potential business opportunities of open finance.”

Sergiu Cone, Owner, Banking 4.0

“In 2025, Andres provided training on Artificial Intelligence in Insurance, covering regulatory developments (including the EU AI Act) as well as industry use cases, within the five-day Eastern European Risk and Insurance Association (EERIA) Insurance Summer School programme for mid- to senior-level insurance professionals. His sessions were clear, insightful, and engaging, helping participants connect regulatory requirements with practical applications in the insurance sector.”

Klime Poposki, PhD, Professor, EERIA Insurance Summer School