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LET’S HACK A BUSINESS MODEL! T HE C AR I NS U RA NCE BU SIN E SS MODE L S PAYOUTS S RISKS PREMIUMS O OWe map these stocks with the flows CUSTOMERSwhich connect them. ‘S’ means same,as in they move in the same direction,‘O’ means opposite. So, for example, ifan insurance company has to payoutmore money, it’s likely that they willalso have to raise their premiums,which will then in turn cause them tolose customers to their competitors. 100

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