The insurance industry is entering a new era, as the pace of change has picked up. Changing consumer needs and expectations are ongoing, and it seems that the insurance industry is next in line for disruption. Insurers are adapting with digital offerings and advanced analytics, which in turn deliver compelling new business opportunities. Future competition could arrive from technology firms like Google, Facebook and a host of start-ups aiming to bring new business models to the sector, such as by-the-hour car insurance and lower-cost life insurance. In response, insurers have been investing heavily in both external start-ups and in their own capabilities. Big Data and artificial intelligence will transform the way the industry measures risk. The insurance leaders of tomorrow will be those that today embrace technological advances and agile ways of working.

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