I see a limited number of insurers having the vision, goals, strategies and digital acumen to keep tech giants at bay and thrive.

Then a major subgroup succumbing to the commoditisation driven by data management & analytics capabilities of GAFA  which become the distribution arms of these insurers.

Compelling research by McKinsey back in 2017 that only a few insurers will win the major share of industry profits. See "Winner takes most in digital transformation". Most insurers must tread the commoditisation catwalk.

Which group will you belong to?