This is an interesting article that chimes with my thoughts on how the insurance industry is responding to digital change. 

It seems to me that we are at an early stage of digital development where the focus is on innovations around more efficient business processes and increased customer service - essentially putting a digital skin around existing products, services and processes. 

The key question is what's next in the digital journey? Will we see true digital disruption witnessed in other sectors such as retail and what will be the technology developments that drive structural change?