Our goal was to discover the convergence as well as divergence inherent in the definition as well as interpretation of digital transformation. What we found in our conversations is that insurers understand the growing importance of these phrases in their daily business, but at the same time translate them to suit their immediate business needs. We also sought to assess how insurers see their industry evolving via digital product and process innovation and their plans for implementing digital initiatives by making the necessary adjustments in their product engineering playbooks, marketing, and distribution efforts, and also throughout their back-office processes.