You might want to take a mental snapshot of what insurance looks like, because children born today could make up the first generation that won’t know what insurance is. That’s not because insurance won’t be a thing; it will just look a lot different in 20 years. “Insurance will be much bigger, and there will probably be more — because there will be many more risks,” said SAP Global Head of Insurance Bob Cummings on Thursday during his keynote at the SAP Digital Insurance Innovation Summit near San Francisco.