The concept of micro-insurance has been around for a long time, and the activity in that area is now increasing rapidly, especially due to the InsurTech movement.
Pervasive mobile and digital capabilities along with cloud computing have made it much easier to insure a wide range of individual events, activities, or things for a short period of time.
On the other end of the spectrum, the idea of a unified, all-risks coverage for an individual has long been theorized, but underwriting a person for auto, home, liability, life, disability, and other risks in one bundle has not yet been practical.
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