While people in India once baulked at the inaccessible price points and inflexible services of insurance providers, they’re now signing up en masse. How did companies in the domestic sector engineer a formula to cater to the diverse needs of this enormous, historically untapped market?

From medical care to financial concerns, aging brings with it a multitude of worries. In Germany, only 17% of people believe they’ll be able to live on state pensions, and 56% struggle to understand them altogether, creating opportunities for brands to offer simple, straightforward financial support.

For German Gen Yers and Zers, buying insurance is scary – from paperwork and dealing with agents to paying through the nose for coverage. Digital-first Coya aims to do away with the stress, with flexible home insurance ‘micro-policies’ that are easy to understand and enroll in, all through an app.

By Miles is taking steps to bring car insurance into the modern age. As the first insurer to offer pay-per-mile policies for EVs without the need to fit cars with tracking devices, it's looking to satisfy the growing consumer desire for seamless and convenient coverage.