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Disrupting Distribution Channels

The insurance industry is often viewed as behind in the times when it comes to innovation. The burden of legacy systems and lack of agility combined with consumer protection statutes, the complexity of insurance products and distribution and the need to ensure that risks are valued conservatively, deny innovators the ready rewards gained by online retailers and new media, but that is rapidly changing. In the past 36 months, the industry has seen an explosion of new ventures backed by innovative technology approaches that were refined in other digital industries. Distribution has become the new game changer with the most successful ideas focusing on 3 areas: a digital point of presence, a pro

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