The Future of personal lines insurance

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      <subfield code="a">With Amazon, Google, Tencent, WeChat, etc as major distribution channels, the future of the traditional personal insurer is uncertain, but it´s certain that the current business model must change-add to this that one of the major product lines most probably will become obsolete during the next decade and you have all ingredients to promise the incumbents a bumpy ride going forward. Personal lines insurance is and will always be a numbers game. Each insurer must reach a critical mass of customers for each personal product on offer to make the products viable, and hence be able to pay claims and ultimately company operational costs and shareholder dividends.</subfield>
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