The pace of change in the insurance industry is accelerating. The trends may be the same, but many companies are not prepared for the speed and scale of the coming transitions.  New customer expectations, new technologies, new players and new money are all impacting the industry. Every company knows that transformational change is necessary but determining where to start and how to execute can be overwhelming. Insurance is the perfect product for the digital age, so how can market players take advantage of the current competitive environment and not just survive but thrive. Paul Schreiner will talk about the state of the insurance industry today and discuss the key factors that will separate the winners and losers