I think one of the big ideas that is being tested out there is getting rid of the adversarial economics of insurance in general. The whole industry is basically

I think one of the big ideas that is being tested out there is getting rid of the adversarial economics of insurance in general. The whole industry is basically optimizing towards paying out as little while maximizing what they can get. Such cynicism is being broken in some sectors. Like Lemonade is really trying a radical new behavioral approach.