The following is a guest post authored by Kyle Nakatsuji (@kylenakatsuji), principal at American Family Ventures (@amfamventures). At American Family Ventures, we believe changes to insurance will happen in three ways – incrementally, discontinuously over the near term, and discontinuously over the long term. We reference each of these changes in the context of a ‘version’ of insurance, respectively, “Insurance 1.1,” “Insurance 2.0,” and “Insurance 3.0.”