The biggest business lesson of the last decade is that disruption can change an industry overnight – even collapse it. If you’re not reading the signals to keep pace with evolving customer needs and new technologies, you won’t come out on top. Even for those considered too big to fail. And that is exactly where the $400 billion U.S. life insurance industry is perched today, risking irrelevance. To survive, it’s time to rethink the premise and promise of life insurance.