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Empowered for the future Insurance reinvented KPMG International Transformation is the continual evolution and alignment of … — an enterprise’s strategic and financial objectives — its business, operating, functional, and human capital models — its ability to deploy change and adapt within continually evolving external environments. b | Helping make the best insurers better © 2016 KPMG International Cooperative (“KPMG International”). KPMG International provides no client services and is a Swiss entity with which the independent member firms of the KPMG network are affiliated. Foreword Insurers have been trying to ‘transform’ their organizations for It definitely requires changing how line executives operate, decades. First it was to implement big enterprise systems. Then from the setting of new objectives and roles, through to the it was to respond to the internet. Now the industry is focused on realignment of goals and incentives. digitization and customer-centricity. With so much time and effort put into transformation, why has so little changed? We hope that this publication provides insurance executives with new insights, practical advice and — most importantly — renewed Transformation is difficult, disruptive and time consuming. And confidence to boldly move ahead with their transformation most of the time, transformation initiatives fail to achieve their agendas. To learn more about the data or the findings in this report, objectives. It’s no wonder that many insurance executives have we encourage you to contact your local KPMG member firm. banned the word from their vocabulary altogether.