Pay-As-You-Go insurance has been popular in the Worker's Compensation space for years now, but we are starting to see it permeate other types of insurance - and why shouldn't it.  As consumers, most of us pay for things as we use them.  We don't go to the grocery store and stockpile food for what we THINK we might use for 6 months to a year.... we buy things for the week or as week need them.  We are at a point with technology that we should be able to do this with the insurance products as well.  Dino Carbone is the co-founder and executive vice president of sales and marketing for SmartPay Solutions, and they work every day to do just that.