Going Digital

A constant process of internal creative destruction is required to avoid becoming the victim of an external, competing creative force.

"Importantly, we’re bringing in a new breed of customers. The majority of customers insured with Lemonade are actually new to insurance."

Key areas in the spotlight include regulation, consumer-centric progressions, risk circumventions and tech modernisms.

The insurance industry will move from claims handler to claims preventer, so comparing products will become much more complicated.

Fortunately, for insurance executives, there is an antidote (seven, in fact) for the anxiety that comes with trying to transform.

Instead of owning assets, people are increasingly electing to merely access them -- and that's just the beginning of the story for insurers.

Too few companies are being innovative about how they innovate. They are buying fish, not learning how to fish.

What if policies weren't either bought or sold? What if they just happened? What if they were almost invisible?