Research by digital insurance consultancy, Pancentric, highlights the top nine challenges facing the insurance industry as: 1. Poor customer journeys, 2. Falling behind competitor trends, 3. Legacy policy admin systems, 4. Poor distribution and marketing, 5. Failure to nurture customers, 6. Poor digital experiences, 7. Disconnected insurance group, 8. Unmanageable digital estate, 9. Lack of prototyping and testing.