This is a very US orientated view of the InsTech world, but the points made apply globally. I am not the only one who thinks that there's a lot on InsTech innovation coming our way in the next 12 months
Insurance represents a huge opportunity that has yet to see real innovation. The U.S. insurance industry is the largest in the world in terms of revenue, with net premiums surpassing $1.2 trillion. At the same time, the major players have some of the lowest Net Promoter Score (NPS) ratings of any industry, meaning the companies do not inspire satisfaction or loyalty in their customers.
http://techcrunch.com/2015/08/05/insurance-is-the-next-frontier-for-fintech/