Booking a flight or hotel reservation is vastly simpler than buying the right insurance policy. Booking a flight or hotel reservation is vastly simpler than buying the right insurance policy. (iStock)

Ask any designer or engineer about the most fun professional challenges and the “really big ones” are the first to come to mind. Building something once thought impossible (or at least very difficult) is satisfying no doubt, but the icing on the cake for those obsessed with process, flow, and overall functionality is making it look simple at the same time.

The insurance industry has a growing reputation of being ripe for disruption, and many are looking at the industry’s traditional distribution channels as the place to disrupt it. In fact, analyst estimates agree that almost 30% of all InsurTech startups are targeting the distribution channel. Disruption of insurance distribution channels is not a new story, however. The Internet was probably the first advance that pundits, pointing to travel agencies as an adjacent, predicted would kill the independent agent with new direct-to-consumer opportunities.

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