1 2 AI and Me 3 4 5 AI-native insurance Consider Lemonade, a startup natively designed to use human-AI collaboration to offer a more seamless experience. At Lemonade, AI is embedded in the organization and present in nearly every workflow. Particularly, the company’s claims payment process was designed to play to the strength of AI and humans working together. 29 28 Technology Vision for Insurance 2020 | We, the Post-Digital People