Insurtech investments are targeting the personal lines’ insurance value chain in product development, client acquisition, underwriting, and claims management in the insurance value chain, a new Conning study shows. Technology is creating the need for, and enabling the development of, entirely new personal lines products, and disruption-minded innovators are pushing change in traditional personal lines product offerings, according to the Conning study named Emerging Business Models in Personal Lines Insurance - Innovation-Based Disruption.