End clients face large swings in premium and price elasticity. This makes the risk landscape hard to understand and or predict 

How can insurers and / or brokers create financial plans that a realistic given the spend in which market rates move? 

Should brokers focus on a different fee model when providing broking services as opposed to commission structures? Could this help brokers take longer term views on placement strategies?

As the market gets more analytics and data informed decisions will the end customer see more discipline emerge and therefore less market movement in major commercial products?