Nick Frankland

With disruptive startups in our industry trying to break the status quo, there are key differences to keep in mind.

Insurance companies need to adopt the new marketplace mindset of transparent comparison and seamless user experience to keep customers engaged with the products we sell.

Incumbents need to think like challengers: They have everything to lose, and not a lot to gain.

The industry is not just building for prime, low-risk, high-end customers: The more sustainable value comes from a little bit of revenue from a lot of customers.