Kearney’s report urges insurers to modernize core policy systems to stay competitive in the digital era. Key drivers include evolving customer expectations, insurtech disruption, and advances in AI and automation. Insurers can adopt one of four core transformation strategies, from externalizing functionalities to building new tech stacks. Success requires alignment between business and IT, agile delivery, and strong program governance. A future-proof core enables personalized services, operational efficiency, and resilience across an increasingly digital insurance landscape.

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