The personal technology we use is changing rapidly, but where are the improvements in the insurance ecosystem coming from? They’re coming from everywhere all at once, and they’re transforming the ways we work and the ways insurance is sold forever.

One of the reasons is that the cost barriers to bring creative new technologies to market have fallen dramatically. Because these costs are dropping rapidly, it has allowed thousands of technologists and business people to build new companies to focus on innovation that fixes or improves business problems that have vexed us for years.

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