IOT based services are growing in health and P&C insurance, while the regulation on the other side seem to request more and explanations for any assumption made in insurance. One-click-purchasing requirements from customers against solid product calculations. Unlimited computing power against the idea of insurance as a protection against incalculable risks. In other words: Is n=1 the insurance of the future? In this presentation we will analyse the fields where the advantages of mass data evaluation will prefer new players entering the field and which fields will remain in the traditional insurance space for a little longer.