In this episode, we unpack why digital transformation in insurance so often stalls, and what it really takes to make progress. Drawing from two decades inside carriers, Parul explains how deep-rooted cultural inertia, siloed priorities, and organizational politics—not technology—are the biggest threats to change. She breaks down the shift from automating claims to modernizing the underwriting engine, the rise of AI-augmented decisioning, and why adopting a true “product mindset” is essential for long-term success. Parul also shares candid stories from innovation hubs, lessons from failed transformations, and the critical role CEOs must play in aligning the enterprise.