The insurance industry probably needs new products, but when I worked at Aflac, they did a lot in house, so I don't know if you could readily market it. They did tons in spreadsheets and I kept angling to improve stuff and actually got an award for a thing I did, and then had to harangue people to actually get it made available department-wide and then someone else took it over and promptly screwed up the formatting with the very first update.

I left insurance years ago. My knowledge is not current. But if you want product ideas, insurance is an industry drowning in information overload and if you could figure out how to throw them a life preserver and get them to pay for it, you could potentially make a killing.