Most analyzes of trends in the insurance sector focus on three themes: technological change, mergers and acquisitions, and climate change.

The democratization of access to information and new technologies, the emergence of new risks (such as cyber-attacks or drones, among others) and the increasing demands of consumers are new and significant challenges that the insurance sector has to face in order to remain competitive.

A dynamic insurance market, growing tech-savvy customers and emerging technological disruptions have been driving insurers to reshape their strategies to stay ahead of the competition. Customers expect insurers to anticipate their needs and to provide personalized offers through a variety of digital channels. It has become vital for insurers in general, and underwriters in particular, to adapt their workflow to these changes.