The Jetsons meet the Flintstones

The Jetsons meet the Flintstones WILL TECHNOLOGY MAKE INSURANCE OBSOLETE? Bill Hartne2 President Hartne> Advisors Andesa 2015 Client Forum State of the
World
Hyper ParCsanship Obamacare Low ExpectaCons Yield on Investments Student Loans Home Ownership? Increasing Security and Privacy Concerns Terrorism State of the
World
Hyper ParCsanship Obamacare Low ExpectaCons Yield on Investments Student Loans Home Ownership? Increasing Security and Privacy Concerns Terrorism Capital Markets n a global e nvironment n which "Insurance is fitrms he Dcompete NA of ciapitalism. Buildings aind speed, siPing through the explosion of data, regulaCon and risk homes don't get built, lives can't be repaired, products analysis will spell the success or failure of the business. Through our aren't ade, food dPoesn't et produced, nd services SMEs and mthe broadest artner Egcosystem in the aindustry, the IU is commi>ed to providing he evidence that Windows, .Net, OSS, and can't be d
elivered wtithout it. Insurance is vital to M
the our other products rovide the asnd peed and edge tthat means modern global epconomy, navigaCng hese compeCCve and business success. megatrends will increasingly define our success in helping to propel it.“ Joe Plumeri, Willis Group Chairman & CEO, 2/27/2008 A.M. Best Company's 15th Annual Review and Preview Conference Risk 101
Three ways to manage risk ü Eliminate it
ü Transfer it
ü Insure it
Insurance 101
ü Law of Large Numbers ü Spread of Risk Exponential growth
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Science |NYT Now ScienEsts Report Finding Reliable Way to Teleport Data ts e
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DisrupEon TELEMATICS Innovation? OR ALREADY OBSOLETE? Cars
TesCng in California, Florida, Michigan and Nevada •  54MM in use by 2035 •  NTSB recommends mandaCng collision avoidance DisrupEon GENOME SEQUENCING Health
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DisrupEon 3D PRINTING 28
3D Printed homes
DisrupEon INTERNET OF THINGS 32
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DisrupEon BITCOIN AND THE BLOCKCHAIN 34 Blockchain
Block Chain
Blockchain – Why is it Interesting?
"   Displaces “Trusted 3rd ParCes” §  Transactions only happen once and can’t be
repudiated
§  Public history of every transaction on every node
"   Requires no centralized control – “Distributed Trust” based on mathemaCcs. "   Low to no transacCon costs "   Complete Transparency Return of Tontines?
"   Can social networks funcCon as benevolent socieCes used to? "   Life Insurance? "   Health Insurance? "   ReCrement? How to Start a Movement
Keys to Leading Transformational Change
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Think TransformaCon – not InnovaCon Failure is an opCon Think 10 years ahead Set audacious goals Shipping is a feature CulCvate followers -­‐ h>p://www.ted.com/talks/derek_sivers_how_to_start_a_movement Thank You! Bill Hartne> Hartne> Advisors billhartne>@hotmail.com @bill_hartne>