The document outlines five steps for insurance companies to achieve digital success: 1) Measure digital progress, 2) Focus on capabilities that can be applied across businesses and products, 3) Balance investments across planning, developing, selling, and managing, 4) Differentiate with smart geographic and financial management, 5) Rapidly share successful practices. It notes that while insurers have invested heavily in digital, few have seen strong financial returns, but embracing digital transformation could increase profits by 100%.