Great insight from Steve Evans of artemis, and an enjoyable read.   

Up to now it has mainly been those InsurTech startups that focus on distribution that have received the most air-time, but of all those I have seen and/or mentored, I would argue that it is those which focus on operational efficiencies that have the most staying power.  

Coming in to an administratively burdened sector with no legacy will allow a lot of new players to grab a slice of the pie, but as incumbents begin to take advantage of tech to reduce their burdens and get back their competitive edge, the customer will be the winner.