This article by Chris Behling, Head of Strategy for US Life & Health at SwissRe outlines possible reasons people don't care/think about life insurance as much as we may hope they did. Behling suggests that maybe we start tying life insurance to other purchases people actually do care about as a first step in engaging consumers. 'Because of this trend toward integration and interoperability, the winning formula will go beyond point solutions and instead will imbed life insurance into connected ecosystems that people care about.' Click here to read more. Interoperability is crucial, and a point he makes well, although I doubt Behling's prediction that the number of apps will decrease markedly in the future. The most important systems that insurance needs to interact with are those connected to financial management, and health.