Ecosystems

For insurers, the insurtech bubble is a great thing. Venture capitalists are funding the R&D that insurers have refused to fund themselves.

Auto insurers and auto makers, once basically adversaries, are beginning to cooperate and partner around many emerging opportunities.  

We may evolve to a world of highly connected cities and loosely or marginally connected rural areas. Insurers need to start scenario planning.

Learn from Amazon. If you're not a fit, don't just deliver a "sorry" page. Steer the customer elsewhere, helping him -- and generating revenue

<p>Operational excellence is table stakes. The barrier to entry for all industries has either already fallen or is falling now.</p>