Who said insurance had to be complicated? By eliminating paper, commissions and intermediaries, Bowtie is able to grant consumers direct access and control over their life protection decisions. Being the first virtual insurer in Hong Kong, Bowtie has paved the way for Insurtech in the city, and Michael Chan is at the helm of all of this innovation. We discuss what it takes to be a pioneer, to take the path less travelled, and what it really means to innovate. Enjoy!