Jean-Baptiste Alphonse Karr, the French journalist and novelist of the early 19th century, first coined the phrase, "the more things change, the more they stay the same," a satirical response to French politics in his era.

He was referring to the notion that while some things change during turbulent times, the underlying status quo usually stays the same. The same might be said of the insurance industry over the past several years, as the introduction of new technological capabilities competed with the industry's ability to effectively absorb and leverage them.

However, in 2015 the industry began to turn that corner as more insurers made progress toward, or completed, their core system modernization efforts.