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Of the brands profiled in the second annual Digital IQ Index: Insurance, all offer some level of service across many aspects of the digital spectrum. However, despite these efforts and prospects’ willingness to provide data, insurance providers keep their digital distance. In the digital ecosystem, separating the winners from the losers is not based on which digital elements an insurer merely possesses, but often how they translate their efforts into holistic experiences across multiple customer journeys. With numerous voids to fill, new players have emerged.