Adam Hofmann

Join this presentation to explore how blockchain and distributed ledger technologies are fundamentally transforming insurance personalization beyond what traditional ML algorithms can achieve. While machine learning has provided valuable data analysis capabilities, distributed technologies are creating an entirely new paradigm for personalized coverage that is transparent, trustless, and truly customer-centric.

We'll examine how smart contracts enable dynamic, usage-based insurance models that adjust in real-time to customer behavior, creating coverage that breathes with the customer's life rather than remaining static. Through real-world examples and emerging use cases, we'll demonstrate how distributed platforms:

• Enable continuous, consent-based data sharing that puts consumers in control of their insurance profile
• Create immutable, tamper-proof audit trails of risk data that benefit both carriers and customers
• Facilitate "anticipatory coverage" that automatically adjusts to life events without manual intervention
• Support micro-insurance moments where protection can be activated for minutes rather than months
• Establish new collaborative models between carriers, customers, and third-party data providers

The future of insurance isn't just about better algorithms—it's about reimagining the relationship between risk, data ownership, and insurance delivery through distributed systems.