The rate of change is accelerating across our business and in industries that impact our business. What has made us successful in the past is not going to be sufficient for us to thrive into the future. The advances we see in computing power, digital data, artificial intelligence, genomics, consumer engagement approaches and precision medicine are staggering, and this is just the beginning. Innovation is driving transformational change and forcing us to reimagine the future of life insurance underwriting, what we call Underwriting Reimagined®.