“The end of the year and the beginning of a new decade is a good time to pause for a moment and think about where the future is going.Now, we’ll admit, there’s no such thing as a perfect crystal ball for insurance. Nor is the industry perfectly homogenous around the world. Some markets will evolve more slowly, while others are already over the top of the digital disruption roller coaster and picking up speed on the downslope. The separation between the “Haves and HaveNots” is increasingly a forcing function.”
Source: Celent