In this episode, Peter believes insurance will start to disappear for most people as tech companies begin covering costs (i.e. autonomous car companies like Waymo offering free insurance to their riders). Dan talks about how AI will disrupt the middleman. He outlines a future scenario in which most individuals will purchase life insurance from a robot online, because the process will be that instant, easy and accurate. Peter and Dan discuss how insurance companies should flip the business model from retrospectively protecting from risk to proactively protecting you from risk. This would force insurance companies to keep customers alive longer to retain their business.