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Smart Contracts would lead to lower premiums for the consumer as the cost of processing claims would be reduced. This has been tested on a small scale already, the company AXA is using smart contracts for flight delay insurance.
http://www.businessinsider.com/axa-turns-to-smart-contracts-for-flight-delay-insurance-2017-9

IMHO, if smart contracts are successful in smaller areas of insurance such as "flight delay" we will see wider adoption as firms begin to catch on to smart contract capability.

Good info, thanks for a real world example