One guy microwaves his phone instead of a burrito. Another accidentally drops it in a drink. So goes one of Virgin Mobile's 'Happy Accidents' adverts, which have been watched by millions since they first aired in 2013. It's no joke though. People really are secretly breaking their stuff. But why?

The attitude to buying life insurance is unlike getting a car or shopping for groceries. After all, who wants to think about dying? Yet despite their reluctance, 39% of Gen Yers claimed they’d get a policy in 2015. How are insurers making the process of getting life cover easier and more accessible?

Would you rather jet off to the Bahamas next week, or save and go in a years’ time? In an ‘I want it now’ culture, thinking for the future is hard. When two-thirds of boomers retire they won’t have saved enough to maintain their lifestyle. How can brands encourage people to think about tomorrow, today?

Insurance is a necessary evil; it's a grudge purchase that people would rather not think about. Smart insurers like Progressive are using black box technology to monitor their customers – safe driving can lead to double-digit cost cuts. But are people comfortable trading their data for rewards?