Insurance companies recognize that they need to embrace digital innovation to meet changing customer demands, and are developing the internal structures and processes to facilitate change. That's according to a recent report from Celent analyst Mike Fitzgerald, "Innovation Outlook 2017: Making Progress."

"Insurers are putting a lot of effort into customer experience, especially on the front end," Fitzgerald says. "It's a little one-sided now, but it's not a bad place to start. That's the reason the report is so positive."

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