Some observers have called 2015 “the year the future arrived” for the insurance industry.

Executive Summary

With new competitors nipping at their heels and customers expecting more—and better—information quickly, insurance carriers are replacing core systems to support digital strategies and enable analytics.

After close to a decade discussing the potential disruptive effects of big data, wearables, the Internet of Things, direct distribution for commercial insurance and the entrance into the marketplace of consumer Internet brands like Google, all of these things became real last year. While they are still in their early stages, they are no longer potential. They are now actually happening.

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