Solution architectures today are typically derived from open-ended questions designed to discover customer needs. However, insurance companies can now approach customers with insights-based assertions that rest on the belief that true innovation emerges from disruptive ideas that make customers aware of unknown needs. According to Gartner's report "Agenda Overview for P&C and Life insurance 2014," three concerns for change stand out for insurance companies–profitability and business growth, cost savings and customer centricity. The study further indicates insurance executives struggle to maintain legacy products while simultaneously addressing concerns about future innovation. This makes innovation sound like a scary proposition, but applying innovation does not have to be scary. All carriers have legacy network infrastructures in place today that have the potential to become far more intelligent networks by deploying new collaboration services.

It requires a C-suite sponsor who understands the ROI of technology implementations and then gives authority to go-getters and mobilizers within their organizations to implement these changes. These individuals are motivated by organizational improvement and are constantly looking for good ideas. They mobilize actions around great insights wherever they find them. All carriers have legacy network infrastructures in place today that have the potential to become far more intelligent networks by deploying new collaboration services.

How does this address Gartner's three business concerns for 2014?