Future Evolution

For over 100 years, Insurers have stood by customers at some of the toughest moments in their lives, and helped allow people to go about their lives and pursue their business ideas without having to worry about the risks involved. Today, those customers have different expectations for how they want to do business and be served. And those expectations are changing faster than ever before. The industry has faced many headwinds, making it difficult to keep up with change - regulation, bureaucracy, system constraints, past technology project pain, thin margins, etc.

We human beings share 98 percent of our genes with chimpanzees. Yet humans are the dominant species on the planet - having founded civilizations and religions, developed intricate and diverse forms of communication, learned science, built cities, and created breathtaking works of art - while chimps remain animals concerned primarily with the basic necessities of survival. What is it about that two percent difference in DNA that has created such a divergence between evolutionary cousins?

For centuries, the Insurance industry has been there for people at the worst moments of their lives, and kept the risk of those moments from stopping us from pursuing our dreams. Today, customer expectations are changing at an ever-increasing pace, driven further by the rapid digitization the world embraced in the pandemic. But that isn’t the only thing driving change in the industry, with a new generation of insurers emerging to serve customers differently and rethink the art of the possible in Insurance.

The entirety of the human brain’s 4-billion-year story can be summarised as the culmination of five evolutionary breakthroughs, starting from the very first brains, all the way to the modern human brains. Each breakthrough emerged from new sets of brain modifications, and equipped animals with a new suite of intellectual faculties. These five breakthroughs are the organising map to this book, and they make up our itinerary for our adventure back in time. Each breakthrough also has fascinating corollaries to breakthroughs in AI.

From leading geopolitical expert and technology futurist Jamie Metzl comes a groundbreaking exploration of the many ways genetic engineering is shaking the core foundations of our lives-sex, war, love, and death. At the dawn of the genetics revolution, our DNA is becoming as readable, writable, and hackable as our information technology. But as humanity starts retooling our own genetic code, the choices we make today will be the difference between realizing breathtaking advances in human well-being and descending into a dangerous and potentially deadly genetic arms race.

This is no mere observational account. The Future of Insurance, Volume IV: Asia Rising offers actionable insights, serving as both a roadmap and inspiration for those daring to navigate the future complexities of the insurance market—whether you're an industry professional, policy-maker, or a tech-savvy individual intrigued by the dynamism of business innovation.

In this era of government gridlock, economic and ecological devastation, and seemingly intractable global violence, our future is ever more ripe for - and in need of - fresh, creative reimagining. With her clear-eyed, inspiring, and sweeping vision of a possible global renaissance in the new millennium, Barbara Marx Hubbard shows us that our current crises are not the precursors of an apocalypse, but the natural birth pains of an awakened, universal humanity.

David Christian, historian and best-selling author of Origin Story, is renowned for pioneering the emerging discipline of Big History, which surveys the whole of the past. But with Future Stories, he casts his sharp analytical eye forward, offering an introduction to the strange world of the future, and a guide to what we think we know about it at all scales, from the predictive mechanisms of single-celled organisms and tomato plants to the merging of colossal galaxies billions of years from now.

Improbable Destinies will change the way we think and talk about evolution. Losos' insights into natural selection and evolutionary change have far-reaching applications for protecting ecosystems, securing our food supply, and fighting off harmful viruses and bacteria. This compelling narrative offers a new understanding of ourselves and our role in the natural world and the cosmos.

The Secret Body is a gripping drama of discovery and a landmark account of the dawning revolution in human health that reveals a hitherto invisible universe within each of us.

We are now on the doorstep of a fourth change brought about by two technologies: AI and robotics. The Fourth Age provides extraordinary background information on how we got to this point, and how - rather than what - we should think about the topics we’ll soon all be facing: machine consciousness, automation, employment, creative computers, radical life extension, artificial life, AI ethics, the future of warfare, superintelligence, and the implications of extreme prosperity.

Just 45 years ago, the age of gene modification was born. Researchers could create glow-in-the-dark mice, farmyard animals producing drugs in their milk, and vitamin-enhanced rice that could prevent half a million people going blind every year. But now GM is rapidly being supplanted by a new system called CRISPR or "gene editing". Using this approach, scientists can manipulate the genes of almost any organism with a degree of precision, ease and speed that we could only dream of ten years ago.

In The Genome Odyssey, Dr. Euan Ashley, Stanford professor of medicine and genetics, brings the breakthroughs of precision medicine to vivid life through the real diagnostic journeys of his patients and the tireless efforts of his fellow doctors and scientists as they hunt to prevent, predict, and beat disease.

From the big bang to the origin and evolution of intelligent life in a search for the meaning of human existence, Why Are We Here?, by author Bruce Brodie, offers a look at evolution and the future of life on the planet.

Our ability to think about the future is one of the most powerful tools at our disposal. In The Invention of Tomorrow, cognitive scientists Thomas Suddendorf, Jonathan Redshaw, and Adam Bulley argue that its emergence transformed humans from unremarkable primates to creatures that hold the destiny of the planet in their hands. Drawing on their own cutting-edge research, the authors break down the science of foresight, showing us where it comes from, how it works, and how it made our world.

Could humans unknowingly be a part of a larger superorganism—one with its own motivations and goals, one that is alive, and conscious, and has the power to shape the future of our species? This is the fascinating theory from author and futurist Byron Reese, who calls this human superorganism “Agora.” In We Are Agora, Reese starts by asking the question, “What is life and how did it form?” From there, he looks at how multicellular life came about, how consciousness emerged, and how other superorganisms in nature have formed.

InsurTech solutions have created amazing new opportunities for insurers to innovate and evolve. But the path to bringing them to market can vary greatly, with some efforts going well and some fraught with delays, cost-overruns, scope issues and more.

Humans, it turns out, are intrinsically wired to seek short-term success at the expense of long-term prosperity. Kristian Rönn, an entrepreneur formerly affiliated with the University of Oxford’s Future of Humanity Institute, calls these deeply rooted impulses “Darwinian demons.” These forces, a by-product of natural selection, can lead us to act in shortsighted ways that harm others—and even imperil our survival as a species. If this evolutionary glitch is left unchecked, the consequences will grow in magnitude as the power of technology accelerates.

In its 4.5 billion–year history, life on Earth has been almost erased at least half a dozen times: shattered by asteroid impacts, entombed in ice, smothered by methane, and torn apart by unfathomably powerful megavolcanoes. And we know that another global disaster is eventually headed our way. Can we survive it? How?

As a species, Homo sapiens is at a crossroads. Study of our planet’s turbulent past suggests that we are overdue for a catastrophic disaster, whether caused by nature or by human interference.
It’s a frightening prospect, as each of the Earth’s past major disasters—from meteor strikes to bombardment by cosmic radiation—resulted in a mass extinction, where more than 75 percent of the planet’s species died out. But in Scatter, Adapt, and Remember, Annalee Newitz, science journalist and editor of the science Web site io9.com explains that although global disaster is all but inevitable, our chances of long-term species survival are better than ever. Life on Earth has come close to annihilation—humans have, more than once, narrowly avoided extinction just
during the last million years—but every single time a few creatures survived, evolving to adapt to the harshest of conditions.
This brilliantly speculative work of popular science focuses on humanity’s long history of dodging the bullet, as well as on new threats that we may face in years to come. Most important, it explores how scientific breakthroughs today will help us avoid disasters tomorrow. From simulating tsunamis to studying central Turkey’s ancient underground cities; from cultivating cyanobacteria for “living cities” to designing space elevators to make space colonies cost-effective; from using math to stop pandemics to studying the remarkable survival strategies of gray whales, scientists and researchers the world over are discovering the keys to long-term resilience and learning how humans can choose life over death.
Newitz’s remarkable and fascinating journey through the science of mass extinctions is a powerful argument about human ingenuity and our ability to change. In a world populated by doomsday preppers and media commentators obsessively forecasting our demise, Scatter, Adapt, and Remember is a compelling voice of hope. It leads us away from apocalyptic thinking into a future where we live to build a better world—on this planet and perhaps on others. Readers of this book will be equipped scientifically, intellectually, and emotionally to face whatever the future holds.

“Kill it with fire”, the typical first reaction to a legacy system falling into obsolescence, is a knee-jerk approach that often burns through tons of money and time only to result in a less efficient solution. This book offers a far more forgiving modernization framework, laying out smart value-add strategies and proven incremental techniques that work equally well for ancient systems and brand-new ones.