Useful charting of the forces disrupting the insurance industry. 

I only hope all the different parts of insurance companies start talking together so that hey consider and anticipate these disruptive forces. 

 Loss Adjusters with Fraud; Product Marketing with Business Analysts; Actuaries with IT.

Some are but many don't. Those that do will stay ahead of the game and take advantage of the new platforms that spawn relationships like that between CSC and 360Globalnet