The original call
Original year: 2011
2026 assessment
Scorecard verdict: Live / partly too early
Live, but honestly early on the specifics. Accelerated and data-driven underwriting absolutely arrived — many life policies now skip the needle entirely and price off external data and digital records. But “look up everything about you” ran straight into privacy regulation, and the social-media-profile version of underwriting got reined in rather than unleashed. The direction was right; the 2020 date and the “everything” were too bold. I’ll own that.