Viewpoints
Editor’s Letter: Reflections on the Year Without a Summer
It wasn't until mid-July this year that I had ever heard the term "lava bomb" or thought about the prospect of a Category 6 hurricane. But both were in the news around the time I read about another ...
Opinion: Catastrophe Bonds Are a Smashing Success
Leave it to catastrophe bonds to be among the most well-functioning debt markets out there. Issuance of "cat bonds" has climbed to more than $11 billion this year, about the same as this time in ...
‘He’s Gaining on Us?’ An ‘Inconceivable’ Quarter of InsurTech Carrier Financials
As we worked on pulling together this third installment of our review of U.S. InsurTech startup financials, we were reminded of the scene from "The Princess Bride" in which a masked man in black ...
Congratulations! You’re Innovating In A Highly Regulated Industry
What's in a name? A recent startup proclaims: "[Company name] Insurance is a [line of business] insurance company that provides [line of business] coverage to small businesses through a simple online ...
Second-Quarter 2018 Financial Details for Lemonade, Root and Metromile
Does Lemonade have shlimazels for customers? Is slower second-quarter growth at Root an indicator that the carrier is deliberately focusing on profitability? Do Ajit Jain and Rob Berkley know ...
Strategies Revealed: Legacy Carriers Know Exactly How InsurTechs Will Come at Them
There is this great scene in the movie "The Godfather," in which Tom Hagen asks Michael Corleone "You know how they're going to come at you?" regarding some unpleasantness with the heads of the other ...
Surround Yourself With People You Want to Be Like
"Tell me who your friends are and I will tell you who you are." —author unknown Did you know that the four people with whom you spend the most time are who you become in the future? Scary, isn't ...
Opportunity in Disruption: Preparing for InsurTech’s Elon Musk or Steve Jobs
I recently wrote an article for Carrier Management offering some thoughts about the possibility that an InsurTech would develop a killer app. A killer app, as its name suggests, slays the ...