The insurance business, not known for its appetite for rapid change, has experienced more disruption in the last five years than during any other period in its history. Cloud technology and artificial intelligence present multiple opportunities for insurers to improve how they do business: more efficient underwriting, new business models and propositions, and better ways to serve customers. Standing still is not an option: accustomed to the seamless experiences on offer from the world’s leading digital brands, customers expect insurers to raise their game.