US and Canadian digital insurance teams have come face to face with the age of the customer. Customers expect to have their problems solved whenever, wherever, and on any device. New competitors are setting these expectations, even as disrupters like Google go dark. As a result, digital business teams and their BT management partners have to make technology decisions much faster than many are used to. This report focuses on the drivers shaping the insurance landscape and the key actions that North American insurance digital business strategy teams must take through the remainder of 2016 as a result.