At a recent IASA meeting, I asked a colleague from a well-known P&C insurance company how his organization’s digital transformation was coming along. “What time is it?” he answered. His question says a lot about where insurers are with their digital strategies. Carriers are under extreme pressure not just to get initiatives underway, but to transform by aligning technologies, products and processes across multiple digital channels to core systems, the front office and the distribution network. And they must do this in short order.