After a number of lean years, European insurers are eager to return to growth in 2015. But with economic growth in Europe still subdued, this aim can only be achieved by winning new customer segments or taking market share from competitors. These ambitious plans will require sophisticated eBusiness strategies. To meet this challenge, smart eBusiness managers will follow the example of leaders like Allianz, AXA, and BNP Paribas Cardif that are partnering and experimenting with emerging technologies to improve sales and services. eBusiness execs at these firms are demonstrating that digital technologies are much more than just a channel, underpinning a business transformation that delivers new customer value and improved operational agility.