In this digital age, opportunities and threats are often different sides of the same coin. Customers are less loyal and more demanding; competitors are entering the industry with radical ideas unburdened by legacy systems or mindsets. Disruption is inevitable; insurers must decide whether they will be among the disruptors or one of their casualties. Digital insurers are harnessing the power of digital technologies to re-conceptualize their business models around the customer, and seize the opportunities of a fluid marketplace. They are creating unique customer experiences through new combinations of information, business resources and digital technologies. They take an outside-in, or customer-centric view of the organization, and use innovative strategies, products, processes and experiences to create new revenue.