"Companies need to commit to speed. Insurance is a highly regulated industry and it is not easy to move quickly, but the fact is consumers are moving at exceptional rates. So the companies that will stand out are the ones that are going to find ways to move a bit faster, at the pace of the people they are insuring".

Scott Simony, head of industry Google 

If you are held back by analogue colleagues, fading legacy systems or confused how to proceed read the McKinsey Report below from which above quoter taken.

Above all don't make the Kodak Mistake which was to throw away their very strengths of customer base, digital photography IPR and brand name. 

Don't be a Kodak in the insurance field.