Embedded insurance integrates coverage seamlessly into purchases – think flight protection when booking tickets or phone insurance at checkout. This $70 billion market is growing 25% annually as consumers demand convenient, contextual protection.

The model benefits both buyers and sellers. Customers get tailored, affordable coverage exactly when needed without separate applications. Retailers earn commission while increasing customer satisfaction. Major platforms like Amazon and Shopify now offer embedded options from trusted insurers.

Expect this trend to expand into health (wearables), automotive (ride-sharing), and smart home devices. As artificial intelligence improves risk assessment, look for more dynamic pricing – premiums that adjust in real-time based on usage data. The future of insurance is becoming invisible yet omnipresent.