"The key starting point is to inspect the insurance value chain and assess whether insurtech is appropriately leveraged across the operation to deliver maximum efficiency and productivity. The evidence suggests that a refocus towards areas of the value chain under-served by insurtech initiatives will bring about the innovative behaviours needed to meet growing demand for a new degree of customer relevance."

Steven Watson Accenture March 2018

Transforming the front-end may achieve a return of just £5/$5 for every pound/dollar invested whilst a digital platform transforming both the front end and all participants including the supply chain can yield £30/$30 for every pound/dollar invested.

That should be sufficient reason to pour over this Accenture Report.