Today's digitally savvy consumer has forced the insurance industry to take a hard look at traditional methods of customer engagement, risk mitigation and coverage. It's the age of engagement, driven by improvements in operational processes, mobile access to products and services, and personalized customer experiences.

Achieving these advantages requires a smart plan, but as many as 70% of life and P&C insurers are struggling with the process, citing a lack of confidence and the absence of a clear vision of the critical elements.

At the same time, as many as 74 percent of insurers believe that some part of their business is at risk of disruption from InsurTech startups moving into their market.

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