Just over 10 years ago John Fees and I founded Next Generation Insurance Group (NGI) because we firmly believed the buying patterns of the next generation of consumers would reshape the industry. After a decade of building two InsurTech companies, it is fair to say we were wrong about many things and right about a few. Reflecting on the journey, here are some observations from an entrepreneur and long-time insurance agent coming off ten years of zigzags, pivots, wins, losses and second chances.