Half-cocked ideas about insurance in 2021:

The strongest insurtech will operate like traditional carriers, but with much lighter stacks, and will buy up undervalued traditional assets. (HIPPO with Spinnaker)

Clever plays like Lemonade and Metro Mile will have to level out into more traditionally ran carriers before their Finance plays / bridges run out of steam.

Most SPACs are going to turn out really really bad, there’s a reason there’s companies aren’t IPOing. Think of this more as a public bridge / Series A, and hope product-market fit is found if you plan on investing.

I don’t think we’re going to a single-payer system, but Healthcare will be simplified with this new administration. Obamacare 2.0, with traditional voices in the room.

We’ll continue to see more multichannel distribution, as people get hungry to see what works, they’re not going to have the same old battle lines.

We’ll continue to see that you still need humans to sell complex insurance products, whether that’s a broker or the back office of an insurtech.

Insurance will continue to be insurance, but it will be embedded and distributed in new ways. Small products today, and bigger ones down the line.

I think the best players will continue to have a hometown feel, but with digital reach.

Blame @bonedaddy03 for this!!! My first attempt at an insurance/insurtech thread! thoughts about 2020.

@hedgequote @Lonn_Hill @Nick_Lamparelli @StephenMGoldy @Gilad_Shai @insfangirl @PurpleAntInc @lancepoole @bryanfalchuk @robgalb @BeckyMonfre and more...

Gotta tag some of the UK / footy / Midwest/ young gun friends too!

@BillyJura, @riskguyLAstyle, @apexprotects, @HarrisonWicker, @juannybgoode, @bshrivastav, @BJCollies, @Nigalis_, @InsurTechEd, @joehollieriv, @curt_stevenson, @chriscocuzzo