Disrupt or be disrupted. That’s the challenge facing American and Canadian insurers in 2015. Customer experience expectations, their willingness to consider a growing array of new options to buy insurance, and new competitors creeping into insurance are pushing traditional insurers into new digital strategies. Insurance eBusiness teams can’t afford to wait around, but they also can’t afford to make the wrong digital decisions. This report focuses on the drivers that are shaping the insurance landscape and the actions that North American insurance digital teams must take through the remainder of 2015 as a result.