Global insurance premiums surpassed an estimated $4.6 trillion in 2016, with the United States representing over $1.4 trillion of that figure. While it has grown in scale and sophistication, the core model and consumer experience has evolved very little since the time of Nicholas Barbon. The traditional insurance industry is comprised of three main segments: brokers (distributors), which interact with clients; insurers, which perform operational tasks like underwriting and claims processing, and reinsurers, which insure the insurers.

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