Series 01
Insurance
Three experiments exploring how the core functions of insurance — claims, underwriting, distribution — evolve as technology reshapes each layer of the operating model. What does the carrier's role look like when these capabilities are increasingly automated?
The Players
Customer
Purchases insurance, files claims
Broker / Agent
Distributes policies, advises customers
Insurance Carrier
Underwrites risk, holds capital, processes claims
Reinsurer
Absorbs excess risk from carriers
Claims Adjuster
Investigates events, determines payouts
Repair Network
Provides restoration services
Regulator
Sets rules, protects consumers
Insurance Without Claims
What happens when sensors detect events, AI assesses damage, and smart contracts settle payments — all before a customer files a claim? An interactive exploration of how the insurance operating model could evolve.
Real-Time Risk Pricing
When AI risk models price every individual in real time, what happens to the underwriting business model? An exploration of how risk assessment changes when continuous data replaces periodic review.
Embedded Distribution
When insurance is embedded at point of sale — bundled into your car purchase, your mortgage, your flight booking — how does the business model shift? An exploration of where value migrates when distribution becomes invisible.
Sources & Methodology
14 cited sources — industry benchmarks, data models, and assumptions behind these simulations