Digital has become one of the most over-loaded words in the English language, meaning very different things in different contexts. Insurers have been digital since the first policy was recorded on magnetic drum or tape in the 1960s. Oddly enough, insurers now lag considerably behind other industries in their digital maturity and stage of adoption. Despite the challenges, LA&H insurers are putting more comprehensive digital strategies into place and technology vendors servicing this market must think beyond providing basic digital engagement capabilities to supporting a more complete vision of digitally-enabled business.