With more people instinctively turning to their smartphones to interact with the world, insurance carriers are searching for new customer-centric ways to interact with their policyholders. Hyperconnectivity has drastically impacted how consumers behave, how they interact, and even how they think. Customer expectations in the digital age are soaring. Consumers expect instant gratification and round-the-clock service, not to mention personalized content, user-friendly design, and flawless functionality.