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Johannes-Tobias Lorenz

Senior PartnerDüsseldorf

Johannes-Tobias Lorenz

Senior PartnerDüsseldorf

Works with major insurance and banking institutions to build digital strategies and transform the customer-service experience, driving success in an increasingly digital market

Johannes leads McKinsey’s work in digital insurance in Europe, helping insurers build their digital strategies, expand and serve direct markets, and strengthen their customer-service experience.

He also oversees the firm’s global customer experience for financial-services activities, helping financial institutions around the world transform the ways they meet the needs of increasingly demanding customers.

Some of his recent client work includes building a digital strategy for a leading global insurer and helping launch direct insurance players in Germany and other European markets. He also assists clients across Europe in areas such as social-media strategy and digital enablement of the tied-agents channel. Other projects include working with a number of insurers to digitize their customer journey for processes such as claims, life-insurance onboarding, and auto-insurance sales.

Furthermore, Johannes helps private-equity firms on due diligences and portfolio work.

Johannes has coauthored several McKinsey articles about issues confronting the insurance industry, such as insurance fraud and digital transformation.

Published work

Rewired and running ahead: Digital and AI leaders are leaving the rest behind,” McKinsey & Company, January 2024

Grow or exit? Overcoming the scale trap in life insurance closed books,” McKinsey & Company, October 2022

Small and medium-size commercial insurance: The big opportunity,” McKinsey & Company, May 2022

'Segment of One' statt 'One size fits all'”, McKinsey & Company, May 2022

Gewerbeversicherung - Die große Chance,” McKinsey & Company, November 2021

Running up on runoff: Strategic options for life closed books,” McKinsey & Company, February 2021

Behavioral science in insurance—nudges improve decision making,” McKinsey & Company, September 2020

Scaling agility: A new operating model for insurers,” McKinsey & Company, September 2020

Restore and reimagine: Digital and analytics imperatives for insurers,” McKinsey & Company, May 2020

The multi-access (r)evolution in insurance sales,” McKinsey & Company, April 2020

Ecosystems and platforms: How insurers can turn vision into reality,” McKinsey & Company, March 2020

Accelerate—it’s time for insurers to move swiftly and decisively,” McKinsey & Company, September 2019

E-scooters—hype or hope? Impact on European insurance carriers along the value chain,” McKinsey & Company, August 2019

Tackling the IoT opportunity for commercial lines insurance,” McKinsey & Company, June 2019

The hidden benefits of value-added services in commercial lines insurance,” McKinsey & Company, March 2019

Friends or foes: The rise of European aggregators and their impact on traditional insurers,” McKinsey & Company, December 2018

The rise of ecosystems and platforms: What role can insurers play and how can they get started?,” McKinsey & Company, July 2018

Claims in the digital age: How insurers can get started,” McKinsey & Company, April 2018

How insurers can get the most out of a digital transformation in 2018,” McKinsey & Company, February 2018

Insurance beyond digital: The rise of ecosystems and platforms,” McKinsey & Company, January 2018

Insurers’ digital reality—fewer premiums, more competition,” McKinsey Quarterly, May 2017

Past experience

Johannes has worked at McKinsey for 20 years. Before that he was an intern at Morgan Stanley in London.


EBS University of Business and Law at Oestrich-Winkel
PhD, banking and finance

University of St. Gallen
Masters, finance

London School of Economics
Coursework, finance