Blockchain systems and methods for providing insurance coverage to affinity groups

A system comprising:

• one or more persistent memories storing a consumer profile database;
• one or more communication interfaces configured to communicate with remote devices via one or more electronic or communications networks;
• one or more processors;
• and
• one or more non-transitory, computer-readable media storing instructions that, when executed by the one or more processors, cause the system to:
• analyze consumer profiles that are included in the consumer profile database and that correspond to multiple UBI (Usage-Based Insurance) consumers for at least one UBI preference or characteristic of the multiple UBI consumers;
• divide or segment the multiple UBI consumers into multiple UBI policy groups or groupings based upon the at least one UBI preference or characteristic of the multiple UBI consumers;
• for at least one individual assigned a first UBI policy group or segment:
• determine that a UBI preference or characteristic of the individual has changed;
• divide or segment the individual into a second UBI policy group or segment based on the changed UBI preference or characteristic;
• and
• update or provide a UBI policy for the individual associated with the second UBI policy group or segment.