This opinion piece by Stuart MacIntyre is absolutely correct. General Segmentation is dead in our industry. 

Segmentation to an indiviual Segment of One is where the smart money is going in terms of Premium calculation and Terms and Conditions. 

That also allows insurers to provide a service appropriate to the individual.

All of this requires an "Always on Brain" to apply AI and give the very best service to the policyholder and broker. You can't do this using people.