Channels to market get more varied which helps innovation in products as insurance transitions from annual policies to subscription models and "Insurance-on-Demand.

Mind you, the large insurers are working from the other end of the spectrum e.g. Allianz.

See "Allianz harvesting digital dividend"

This shows the dynamic progress in the insurance industry as it tackles the challenge of wrapping digital platforms around legacy systems of record.

The Digital Claims Director has more choice than ever wherever she is on the digital transformation journey