If the insurance employer responds to the increasing opportunities to engage with clients, then the increased demand for staf in the expanding areas will mean that overall employment may increase rather thanshrink. Insurers who proactively move from product selling to services supply should employ more staf. It would be a major mistake for insurers to view the digital transformation as an exercise to reduce staf numbers, rather than a process of transforming staf skill sets. Incumbents need to remember, however, that the new entrants will have a need for experienced staf and will try to attract the most competent employees with a more exciting work environment.Te key issue for staf is thus their capacity to adjust to a new job and new skill sets. Tose staf who are fexible enough to pick up new skill sets in new areas as they are invented will thrive. Given the pace of change, employees can expect a substantial change in their employment activities at least once a decade. Tose staf who are incapable of adapting will lose their jobs. Employers who do not ensure their staf feel confdent enough to retrain will face bankruptcy.