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Some say a storm lies ahead. Others say the storm is already here. All agree that more demanding customer expectations and opportunities from new technologies require new business models, forcing traditional insurers to navigate troubled waters.

In this article it is discussed, which options insurers have to engage with a digitized world and whether changing the course of the whole organization or relying on new ventures is more likely to lead to a safe future.

First published in I.VW Management-Information - St. Galler Trendmonitor für Risiko- und Finanzmärkte, 02/2016, S. 26 -28