The document discusses three key priorities that insurers must focus on to become digital insurers: 1) Product Development - Insurers must deliver rapid core and adjacent product innovation to better meet changing customer needs, yet the average time from idea to launch is 6-9 months. 2) Customer Experience - Insurers must build multi-channel, customer-centric experiences, but only 1 in 10 have aligned digital strategies across the customer journey. 3) Operational Efficiency - Insurers must automate back-end processes to lower costs and improve efficiency by 1-4 points, yet most are struggling to keep up the speed of innovation.