Complex regulation, the capital reserves required to underwrite insurance, and underwriting skills and proprietary data built on years of experience kept the insurance industry protected.

Today, hungry digital disrupters eye the lucrative market with predator's eyes. The best way to beat digital disrupters is to do the unpredicted thing and exploit the very strengths that made incumbents market leaders.

Aviva plan is just that

  • Join with a technology partner
  • Add in freely available capital from private equity form
  • Stir in the insurer's expertise
  • Choose a growth market to accelerate success

There are signs of other carriers doing the same in their home markets