Digital transformation should help increase happiness, well-being, health, wealth and social-cohesion. So wise to comnsider why Finland at No. 1 followed by all the Nordics are the "happiest countries".

Why is the USA only 18th and UK 19th? 

A ray of hope for UK- we share a national characteristic with Finland-

"Other cultural factors and national characteristics may also play a part. The Finns have a word, sisu, which means stoic perseverance and grit, whatever comes your way."

Can we get the rest right? Could insurtech combined with prevention rather than cure help increase happiness?