nearly all the technology covered a

nearly all the technology covered already exists, either in companies in other sectors, or within small nTere is no question about ‘what will occur’ - there is only a question as to the timing. Te insurance industry in 15- to 20-year time will be very diferent to today and will be continuing to change at an ever-faster rate. Te big transformation will probably come from the entry of tech-savvy external frms, frms which will do things completely diferent - the ‘ubers.’ Te majority of existing frms will probably go bankrupt due to their inability to transform themselves into a client-centered model, while survivors will be so transformed that they may be unrecognizable.ew entrants, or in beta form.