Think of experimentation as a way to critically evaluate new technology initiatives.

Know what to expect from these trends so disruption isn't quite so 'disrupting.'

Carriers can learn from these innovators' focus on how to improve the customer experience with simplified processes, refined product structures and personalized market.

Insurers operate in an increasingly complex world of disparate state regulations, evolving customer preferences, heightened competition and continually expanding, multifaceted data.

Insurance has had limited exposure to such disrupters, but the list of tech startups finding a foothold in the industry is growing longer.