The mobile and digital technology advances that forced insurance innovation in 2018 will continue and intensify in the New Year. But five distinct technology themes will shape insurance in 2019, according to Smart Harbor's recent Insurance Trends study. "Every insurance agency needs to focus on what makes their customer experiences and product offerings different," Smart Harbor Managing Partner Jason Walker said in a recent press release about the survey results. "Then, integrate with tech enablers that deliver on that value proposition in a connected ecosystem." Walker said insurance agents will have no choice but to gravitate toward technology solutions that better serve consumers today and in the future. "To help agencies better compete, all parties in the distribution system should be looking to improve the ability to share critical data and analytics between systems," Walker said. The top five digital trends that will impact insurance agents in 2019, according to Smart Harbor's analysis, are Illustrated above. See also: Top technology issues nagging at insurance industry leaders