That's if they plan and implement digital transformation strategies in parallel with enterprise-wide business, organisation, structural and cultural transformation.

I explored this in my blog "Beating Digital Disrupters at their own game".

Technology & Digital Transformation is just a means to an end- in fact a journey rather than a destination.

Some insurers are further down the road on that journey than others. Usually because they don't treat is as a piecemeal strategy "Let's use video streaming to speed up the claims process" . They incorporate digital transformation as part of a comprehensive strategy.

Those that take that route will succeed combining their core strengths and innovation. insurers will not be disrupted- at least the top quartile will not.