Large insurers are starting to look a little like Ancient Rome. They are too prepared to compete on their historical strengths, from a front-on, conventional land grab by the tech companies. However, Tech, both existing big brands, and the rising cadre of new insurtech players laser focused on creating an all-round better product & experience (Lemonade, Hippo gaining the confidence of the markets this week to do just this) are the Hannibals of the insurance world, ready to take on the incumbent insurers with new, unseen tactics. 

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