One-size-fits-all products that don't fit individual needs

Off-the-shelf, one-size-fits-all policies and call-center service models don't match what individual policyholders actually need or how they want to engage.

Analysis:

Personalized insurance products tailored to individual risk profiles and preferences represent a meaningful shift, but building them requires MGA or carrier-level authority. Startups like Kin Insurance and Hippo have pursued this in homeowners. The opportunity is real but capital-intensive.