I have long been an evangelist for the difference that insurance has made, does make, and will continue to offer to society. Risk transfer and risk management provide the platform (and the confidence) for innovation, enabling new ideas and facilitating creativity. 

Many InsurTech firms have this societal impact at the core of their propositions (have a look at www.findyourcanopy.com and www.vHeart.io as two great examples).

Don't lose sight of the things that wouldn't happen, if there was no insurance protection.