Microinsurance continues to be a major driver for innovation. The only way people in many parts of the world can afford insurance is if premiums are low (measured in cents not dollars), distribution costs are negligible and frictionless and claims handling is highly efficient. BIMA - a star of DIA Barcelona - are one of the leaders in the field, but Stephen Goldstein's interview with Peter Gross of MicroEnsure also provides a sense of the scale of what is happening.  One of my earliest - and still most popular articles - "innovation in insurance" written over two years (pre-insurtech) - called out emerging economies as a place to watch.