What are the main trends impacting the insurance industry in 2017? Falling premiums and margins across most classes, saturated developed world with emerging markets flattering to decide again. A gradual undermining of the traditional distribution patterns, particularly in SME, led by reinsurers and new partners moving up the value chain. Time is running out for those stuck on legacy platforms with no plans to invest in digitisation. Increased levels of co-operation between InsurTech and incumbent insurers as the benefits of working together become clear to all.