With the advent of digital disruption in eventually every business, insurance as an industry is getting embedded with technology at all stages. But with the pressure to balance both cost and business growth, there is an evident need for partnerships with the next-generation technology providers to share investments, build capabilities and outcome based models for collaboration. When Gen Y is obsessed with “Why not”, Gen Z is growing up with a “Why not now” attitude. According to the Wiki, “Many members of Generation Z are highly “connected,” having had lifelong use of communication and media technology like the World Wide Web, instant messaging, text messaging, MP3 players, and mobile phones, earning them the nickname “digital natives”. This makes Gen Z expectation momentary or “Just-in-Time”. Considering this, what will Gen Z expect from insurance? Here are some thoughts on how it will impact an individual in 2020 and beyond Read more about HCL’s offering for Insurance Industry at http://www.hcltech.com/financial-services/insurance-services