Best Buy is kind of doing this with their "buy back" program. If Apple continues becoming more and more predictable in terms of product release dates and pricin

Best Buy is kind of doing this with their "buy back" program. If Apple continues becoming more and more predictable in terms of product release dates and pricing, I could almost see a startup doing this on their own. You buy Apple upgrade insurance, and they guarantee that you can trade in your current product for a new one as soon as the new product is released. The only problem is that there's way to much risk to do this unless you are Apple or have a direct relationship with Apple. Then again, maybe the float would cover the risk.