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The possibilities, opportunities, and threats resulting from the connected world already exist for every segment of the insurance industry. (Photo: iStock)

If you’ve been following the developments in wearables, smart homes, connected cars, and many other emerging technologies and trends, your head is probably spinning. There are so many new companies, new products, new data sources, and new business models that the potential for industry transformation is huge.

Many are saying that disruption is inevitable. As one who has been around the industry for a long time, I’m also convinced that this is a time of fundamental change. The question is: How fast will change occur for each of the various industry segments? The answer to this question hinges on adoption, not on technology potential.

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