Align is the boldest expression of that: a licensed insurance agency built by a software company, with an AI first approach that traditional agencies and most insurtech startups cannot match, and a 25,000 customer pipeline that most insurance sales leaders would need years to build from scratch, and that most insurtech startups would need a huge funding round to buy. It is one of the categories venture capital has chased hardest over the last several years, and a large share of recent Y Combinator batches have built insurance companies, because the market is massive, the incumbents run on decades old infrastructure, and AI can finally attack the underwriting, claims, and distribution problems that made the industry slow in the first place.