Insurance can become more responsive to real-world conditions. Sensors, satellite data and automated systems can improve risk assessment and claims workflows. Agriculture, logistics, travel and industrial operations all present opportunities for data-driven insurance products. Build financial products around measurable risk, not paperwork alone.

Insurance companies are already starting to give huge discounts on car insurance to Tesla owners for driving with FSD Lemonade has launched Autonomous Car Insurance that charges 50% less for every mile driven with FSD (Supervised) Connect your Tesla, and Lemonade can distinguish FSD miles from manually driven miles through Tesla’s Fleet API You also pay a low base rate while the car is parked, then a per-mile rate when it moves This is huge Insurance companies do not give huge discounts out of generosity. They do it when the data shows lower risk FSD’s safety advantage is now beginning to show up in the actual cost of owning and insuring the car The safer FSD becomes, the cheaper driving with it could become

Insurance denied my friend’s MRI last month. Doctor ordered it. Said it was medically necessary. Insurance said they needed more documentation. Doctor sent more documentation. Insurance said they needed a peer to peer review. Peer to peer happened. Insurance denied it again. My friend paid $2,400 out of pocket. The person who denied it was not a doctor. Was not reviewed by a doctor. Was an algorithm trained to find reasons to say no. This is legal. This is standard practice. This happens 50,000 times a day in America.

Insurance ETF like $KIE just closed at new all-time highs last week, exceeding a tight 18-month base since 2024! @marketsurge @IBDinvestors While parts of the market have turned a bit defensive, overall it remains early to call the broader rotation too Defensive just yet with what's happening in Staples, Telecomm. Yet Insurance has begun to outperform $IAI , KBE, KRE and other parts of Financials I list my favorite Insurance names in tonight's piece