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Mike Paulus

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  1. a16z24 min

    a16z Podcast | Reinventing Insurance

    Frank Chen, Mike Paulus, Michael Copeland

    Following Frank Chen's 2023 analysis of insurance trends, the industry is shifting from static demographic modeling to dynamic, real-time risk assessment driven by mobile data, IoT devices, and platform integration. Key innovations include the emergence of new categories for the sharing economy and cyber risks, alongside a strategic pivot where carriers and manufacturers assume active safety partnership roles rather than merely paying claims. This transformation is exemplified by high-growth ventures like ZongOn and supported by portfolio companies such as Zenefits and Oscar, which are leveraging data to unbundle policies into flexible, event-driven micro-insurance.