We are in the midst of shifting demographics. According to the December 2014 population projections released by the U.S. Census Bureau, the millennial generation is projected to outnumber the Baby Boomer generation as the nation’s largest living generation. The Gen X generation is expected to surpass the number of Boomers by 2028. Furthermore, by 2050 minorities will represent 54 percent of America. With these shifting demographics and the advancements in technology, customer expectations around insurance are shifting too, and that matters more in the claims experience than at any other time.