It's probably a bit presumptuous to liken the InsurTech startup movement to Hamlet's famous "To Be or Not to Be" soliloquy. It is, after all, a well-known and historical Shakespearean reference.

However, the similarity is in the questions asked, and such a question has probably been asked prior to many defining moments. And just as Hamlet pondered many questions, there are many questions that revolve around the state of the InsurTech movement.

At this juncture, some five years into this movement, the one question that has most likely gone by the board is — is InsurTech real?  You can debate about whether we are at the beginning of the InsurTech cycle or at the end. However, there are several strong points in favor of the fact that it is real.