The Life insurance industry is transforming at a never before seen pace. From new distribution channels, to massive changes in underwriting, to chatbots and more, the industry is reinventing itself.

But the pace is slow. This report, which focuses on a slow and steady approach, outlines major initiatives available to an insurer. In the process, the complexity and risk are discussed. The reader should consider it a starting place for new innovation ideas, or a reference for projects currently underway.