Over 2 years ago, Coverager published this article called "Behind The Scenes". In it, Avi quoted Aaron Shapiro, author of the book Users, Not Customers and (at the time) CEO of the ad agency Huge. Aaron is now CEO of Dayforward (what was Avi's influence on this???)

Aaron joined Shefi, Avi and Nick on This Week in Coverager. With a lot of activity in the life insurance space and the announcement of Lemonade Life, we discussed Dayforward's recent release, the advantages of being a carrier vs MGA, obsession over the definition of "customer" and how Dayforward thinks about differentiation and positioning. Dayforward is focused on financial inequality and their life solution is step #1 in what is likely to be a string of financial solutions to close the gap.

Happy New Year! Avi, Shefi and Nick are back to discuss the topics of the week. This week, we discussed the launch of Day Forward's new product, the end of Haven Healthcare (the health initiative of Amazon, Berkshire Hathaway and JP Morgan)

Also mentioned - Haven Life (Mass Mutual)Go Bear to shut down

Trent Cooksley, COO and co-founder of Cowbell Cyber joined Shefi, Avi and Nick this week. We discussed Hippo's investment in French insurer Luko, the failed acquisition of Metromile via USAA, bitcoin, cryptocurrencies and blockchain and the bloodthirsty desire of IPO's from the investment class. We also jumped headfirst to discuss cyber insurance and how cyber capacity and pricing has been affected by the pandemic.

HAPPY THANKSGIVING! We are grateful and thankful that you watch and listen!

In this episode of This Week in Coverager Shefi, Avi and Nick debated:

- Metromile to go public via SPAC acquisition

Metromile, known for its pay-per-mile feature is an auto insurer who was insurtech before insurtech was in our lexicon. This past week, Metromile announced that they would become a public company via a SPAC acquisition. We discussed what this means for Metromile and how this positions them in what is becoming a crowded area. Was there pressure on Metromile to move due to market pressures? How will Metromile differentiate and position this as Root, Just Auto, Branch, OEMs (Tesla, GM-Onstar) and legacy insurers all compete in this space? Is low-mileage TAM big enough to justify the investment? Lots of opinions and insights in this episode of This Week in Coverager.

In this episode of This Week in Coverager Shefi, Avi and Nick debated:

- Zurich's purchase of MetLife's Auto & Home business for $4B

- GM creates Onstar Insurance Agency to link their connected cars to auto insurance

This week, Avi and Nick welcome Shefi back from assignment. In this episode we discussed the

- Brown & Brown acquisition of Coverhound. Is Brown & Brown acquiring the technology or will they put resources in towards building out the potential in this space?

- Lemonade forming Lemonade Life Agency. What does life insurance mean for Lemonade? Good move? Bad move? Disruptive move?

- Wait-For-It moment near the end where we discuss Turkey Insurance with Avi.

Outro music - Gathering Crowds by John Scott

This week, Avi and Nick discussed the:

- 4 Year anniversary of the launch of coverager.com

- 4th consecutive quarter of Assurance IQ losses at Prudential

- Reef Technologies fund raising round and the business model impact of ghost kitchens

This week, Avi and Nick welcomed Paul Guyardo, CEO of Petplan onto This Week in Coverager. We discussed the Petplan, Group Nine collaboration, as Petplan will rebrand to Fetch by the Dodo as it works with The Dodo an animal media brand to serve pet parents (not the same as pet owners) in maximizing their pet's health and well being. Could we see more media companies leveraging insurance as a value-add in their services? What would that mean to more traditional sorts of insurance products. We discussed this and more (what makes Avi cry?) on This Week in Coverager.

This week, Avi, Nick and special guest, Hari Sundram (CEO of Verikai) have a spirited discussion on Root's S-1 IPO filing. How should we be thinking about insurtechs that go public? Is there a way to value them? How do they compare to one another? Will these companies ever be able to get their CaC in the right range? That and more in this episode of This Week in Coverager!

Root S-1

Prior Discussion Re; Root with Mitchel Harad