The entire insurance industry—its customer expectations, products, competitors, distribution channels, analytics and data technology—is evolving significantly and quickly. For carriers to compete and grow in this increasingly complex environment, underwriting will have to evolve, too. Carriers will have to do more than just familiarize themselves with digital tools; they need to transform into Digital Underwriters. Accenture research shows that 90 percent of carriers either are investing in the underwriting function or plan to soon, but are they making the right investments? This report examines the many traits—from embracing technology to adopting automated underwriting to offering non-insurance products and services to taking distribution channel-intimate approaches—that insurers will need to develop to compete and grow.