International

While many Canadians will benefit from the expansion of the sharing economy, traditional insurance companies will need to adapt.

But, of the total tech deals completed in 2016, more than 72% involved U.S.-based startups and only 12% involved ones in Asia.

True disruption in SE Asia will require a blend of high-tech and high-touch approaches to make relationships personal but efficient.

Among many other things, the U.S. could follow India's lead in doing away with currency and moving toward a digital economy.

The question is: Who will dominate -- homegrown insurtech startups or companies from the U.S. and Europe?

Asia is attractive from both an insurer and an insurtech perspective because of the size of its significantly underinsured population.

One of the key ingredients will revolve around bundling and the great feeling you get when you believe that you just received a gift.

The appropriate first-mover unit of innovation is not the car, or even the car company. It is the nation.