Think that insurance is a sleepy industry? It's time to rethink that notion. Empowered customers, disruptive new entrants, and innovative incumbents are exploiting digital technologies to change what we insure and how that coverage is priced and sold. In 2015, effective digital strategies will separate the winners and losers, with attention coming from the top as insurers race to close digital skills and capabilities gaps. eBusiness executives must tackle new opportunities — and threats — which could relegate laggards to irrelevance as smart new competitors exploit the power of customer intelligence. In this report, we make seven predictions for what 2015 holds for insurance eBusiness teams.