The insurance industry stands on the precipice of profound change – not just digital disruption, but disruption that extends to satisfying increasingly demanding customers, acquiring new ones and adapting to a changing set of challenges that are transforming the industry. For those able to move swiftly, change will bring significant opportunity.

While it is not clear what form the shake-up will take. Deloitte’s exclusive survey of 200 executives in Europe, the Middle East and Africa (EMEA) region has identified four interlocking trends that could separate the winners from the losers: innovation in product and experience,...