In a financially-tense climate, teenagers are proving more resilient and determined than ever. Youth consultant Ruby Pseudo offers a rare glimpse into the underworld of youth financing, from retail workers to lawbreakers.

The US car insurance industry is worth around $199 billion - but car use is declining, and one third of people sought a new insurer in 2013. Adapting to changing usage patterns and customer demands, Metromile makes insurance more customer-friendly with a pay-by-the-mile scheme.

Why should your car insurance premium be determined by a group of risk-takers that you've never met? UK start-up Guevara helps responsible drivers cut the cost of their car insurance through group payments with friends that are equally cautious behind the wheel.

Health insurance plans are confusing for Americans – just 14% of those with private health coverage have an understanding of the most basic insurance concepts. Oscar is disrupting the industry and appealing to digital natives by running a health insurer like a start-up. But how?