The good news from the recent PCI Tech Conference is that futurists like Vivek Wadhwa give the insurance industry at least three to five years before it is disrupted beyond recognition by data, analytics, the internet of things, self-driving cars, 3D printing, hyper-aggressive technology companies, and essentially free energy. The bad news is, many large insurers are still planning five-year technology transformation initiatives to shed their legacy burdens and take advantage of today’s technology.