In this world full of change, and everyday hearing about a new "disruption" mainly through sponsored social media adds, it get's me wondering how this disruption is really going to affect the insurance market.

I guess the way I like to see it is that every insurance company wants to "modernise", but modernising isn't necessarily the way people are seeing it... true modernising will come from cost efficient strategies that comply with strict HR guidelines. 

We aren't going to see holographs in the workplace, this would be an utter waste of money and would not aid cost reductions but only add to it. To be a true disruptor, you will enhance your business through simply making your internal processes as efficient as possible and training your staff to tge highes standard possible.