"Start up"; "disruptor"; "competitor"; a few of the words used to describe the ever more ominous presence of the growing FinTech & InsurTech community, the success of which has come on leaps and bounds over the past couple of years.

This article by the Insurance Journal raises the par by suggesting that many leading insurers are now looking to partner up with these disruptors as a means of accessing markets that they would otherwise not be able to reach due to the new means of flexibility and approachability that they have to offer...if you can't beat them - join them! 

The roles may well be reversing before long!