The Codification white paper highlights how cloud-native technologies, AI, IoT, and blockchain are driving insurance transformation. Traditional insurers face challenges from inefficiency, legacy systems, and customer demands for faster, digital-first experiences. Insurtechs, with agile, data-driven models, are disrupting the market through usage-based insurance, no-touch claims, robo-advisors, and connected health solutions. While incumbents struggle with outdated IT and integration bottlenecks, partnerships with insurtechs and cloud adoption offer opportunities to modernize. Cloud-native approaches enable automation, security, faster product launches, and improved collaboration. To remain competitive, insurers must embrace innovation, customer-centricity, and ecosystem-driven digital pla

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