In 1984, Wendy's introduced a new ad campaign with the tag line "Where's the beef?"

The campaign was so successful that the phrase "Where's the beef" made it into the popular vernacular as a way to question whether there was any substance or any tangible result from an activity.

The InsurTech movement is enjoying enormous success in terms of new startups, venture capital, partnerships, and pilot projects. But it is fair at this stage to ask, where's the beef?

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Profitability should increase

Let me be clear that this is not a putdown or dismissal of InsurTech. In fact, I am somewhat of a cheerleader for the movement. There is a great deal of innovation generated by InsurTech, in the form of new business models, new products, new distribution platforms, new ways to revolutionize the customer experience, and many new options for leveraging emerging technologies.

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