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The past two years have shaken the historical assumptions underpinning insurance and business models. The "Great Recession" has exposed underlying issues within the P&C insurance industry which are contributing to a lack of underwriting profitability which has proliferated in the industry for over 25 years, accumulating a deficit of almost half a trillion dollars at the top as highlighted by the Insurance Information Institute (III). This new normal requires a new path forward. A truly new path must employ a modern, functionally-rich policy management solution to enable four key business transformation areas: 1. Customer centricity, expectations and insight 2. Innovative and rapid product development 3. New distribution channels 4. Underwriting and service excellence