Compared with the fanfare and anxiety about Y2K that accompanied the new millennium in 2000 and the promise of hope and change in 2010, the start of the next decade in 2020 was much less heralded. But, as we all know now, the COVID-19 pandemic has completely upended day to day life, and we have little idea of how this will affect things long-term. Profound changes in our world has brought uncertainty and anxiety to all corners of the globe — and to corner offices of insurance companies. In an increasingly on-demand world where goods and services can be bought from anywhere on mobile devices with the click of a button.