Going Digital

In a tough environment, P&C carriers need to adopt Software as a Service (SaaS) to speed products to market and cut costs.

Insurers must reorganize -- before someone else does it for them.

CIOs can, for instance, rapidly prototype and use demos to show innovative ideas rather than just telling about possible concepts.

Decentralization is the future. Insurers can innovate -- or watch as individuals form risk pools without any corporate intermediaries.

Facebook and Amazon are investing for the long term. IBM? Not so much.

Study finds more focus on core systems, as the foundation for innovation, and use of perspectives from outside the industry.

Part two of a series on the Digital Experience: Return on Empathy is the new ROE.

California must do away with a series of arbitrary restrictions.