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Will	
  Technology	
  Make	
  Insurance	
  
Obsolete?	
  
	
  How	
  exponen<al	
  technologies	
  are	
  changing	
  the	
  nature	
  of	
  
risk	
  
Bill	
  Hartne+	
  	
  
President	
  	
  
Hartne@	
  	
  Advisors	
  
billhartne@@hotmail.com	
  
	
  
State	
  of	
  the	
  
World	
  
Hyper	
  Par<sanship	
  
Obamacare	
  
Low	
  Expecta<ons	
  
Yield	
  on	
  Investments	
  
Student	
  Loans	
  
Home	
  Ownership?	
  
Immigra<on	
  
Trump	
  
State	
  of	
  the	
  
World	
  
Hyper	
  Par<sanship	
  
Obamacare	
  
Low	
  Expecta<ons	
  
Yield	
  on	
  Investments	
  
Student	
  Loans	
  
Home	
  Ownership?	
  
Immigra<on	
  
Trump	
  
Capital	
  Markets	
  firms	
  compete	
  in	
  a	
  global	
  environment	
  in	
  which	
  
speed,	
  siMing	
  through	
  the	
  explosion	
  of	
  data,	
  regula<on	
  and	
  risk	
  
analysis	
  will	
  spell	
  the	
  success	
  or	
  failure	
  of	
  the	
  business.	
  	
  Through	
  our	
  
SMEs	
  and	
  the	
  broadest	
  Partner	
  Ecosystem	
  in	
  the	
  industry,	
  the	
  IU	
  is	
  
commi@ed	
  to	
  providing	
  the	
  evidence	
  that	
  Windows,	
  .Net,	
  MOSS,	
  and	
  
our	
  other	
  products	
  provide	
  the	
  speed	
  and	
  edge	
  that	
  means	
  
compe<<ve	
  and	
  business	
  success.	
  	
  
"Insurance is the DNA of capitalism. Buildings and homes
don't get built, lives can't be repaired, products aren't made,
food doesn't get produced, and services can't be delivered
without it. Insurance is vital to the modern global economy,
and navigating these megatrends will increasingly define our
success in helping to propel it.“
Joe Plumeri, Willis Group Chairman & CEO, 2/27/2008
A.M. Best Company's 15th Annual Review and Preview Conference
Risk	
  101	
  
Three	
  ways	
  to	
  manage	
  risk	
  
ü Eliminate	
  it	
  
ü Transfer	
  it	
  
ü Insure	
  it	
  
Insurance	
  101	
  
ü Law	
  of	
  Large	
  Numbers	
  
ü Spread	
  of	
  Risk	
  
The Future Circa 1954
“It is not too much to expect that our children will enjoy electrical energy in
their homes too cheap to meter” – Lewis Strauss, Chairman AEC
Exponen<al	
  growth	
  
Innova<on?	
  OR ALREADY
OBSOLETE?
Autonomous	
  Vehicles	
  
Autonomous	
  Car	
  Sensors	
  
Autonomous	
  Semis	
  
https://youtu.be/RjRaVExmwVk
Autonomous	
  Semis	
  
3D	
  Prin<ng	
  
3D	
  Printed	
  homes	
  
3D	
  Printed	
  Exoskeleton	
  
3D	
  Printed	
  Organs	
  
3D	
  Printed	
  Organs	
  
How to Start a Movement
How	
  Will	
  You	
  Innovate?	
  
Bill	
  Hartne@	
  
billhartne@@hotmail.com	
  
	
  

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Hartnett GIS Keynote Presentation

  • 1. Will  Technology  Make  Insurance   Obsolete?    How  exponen<al  technologies  are  changing  the  nature  of   risk   Bill  Hartne+     President     Hartne@    Advisors   billhartne@@hotmail.com    
  • 2. State  of  the   World   Hyper  Par<sanship   Obamacare   Low  Expecta<ons   Yield  on  Investments   Student  Loans   Home  Ownership?   Immigra<on   Trump  
  • 3. State  of  the   World   Hyper  Par<sanship   Obamacare   Low  Expecta<ons   Yield  on  Investments   Student  Loans   Home  Ownership?   Immigra<on   Trump  
  • 4. Capital  Markets  firms  compete  in  a  global  environment  in  which   speed,  siMing  through  the  explosion  of  data,  regula<on  and  risk   analysis  will  spell  the  success  or  failure  of  the  business.    Through  our   SMEs  and  the  broadest  Partner  Ecosystem  in  the  industry,  the  IU  is   commi@ed  to  providing  the  evidence  that  Windows,  .Net,  MOSS,  and   our  other  products  provide  the  speed  and  edge  that  means   compe<<ve  and  business  success.     "Insurance is the DNA of capitalism. Buildings and homes don't get built, lives can't be repaired, products aren't made, food doesn't get produced, and services can't be delivered without it. Insurance is vital to the modern global economy, and navigating these megatrends will increasingly define our success in helping to propel it.“ Joe Plumeri, Willis Group Chairman & CEO, 2/27/2008 A.M. Best Company's 15th Annual Review and Preview Conference
  • 5. Risk  101   Three  ways  to  manage  risk   ü Eliminate  it   ü Transfer  it   ü Insure  it  
  • 6. Insurance  101   ü Law  of  Large  Numbers   ü Spread  of  Risk  
  • 7. The Future Circa 1954 “It is not too much to expect that our children will enjoy electrical energy in their homes too cheap to meter” – Lewis Strauss, Chairman AEC
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  • 29. How to Start a Movement
  • 30. How  Will  You  Innovate?   Bill  Hartne@   billhartne@@hotmail.com