The digital transformation of the global economy has significantly reshaped traditional insurance models, impacting operations across the global, national, industry, enterprise, and individual levels. This paper explores how technological advancements, such as artificial intelligence, cloud computing, and data analytics, have redefined risk management, customer engagement, and operational efficiencies in the insurance sector. As insurance companies adapt to digitalization, new trends emerge, including reduced operational costs, enhanced customer service through digital platforms, and competition from non-traditional players. Key threats, however, persist, notably in data privacy, cybersecurity, and regulatory compliance, which demand continuous adaptation and strategic focus. This study emphasizes the need for targeted strategies to ensure resilience and competitive advantage for insurers in the next decade. Recommended strategies include advanced cybersecurity measures, ethical AI integration in underwriting, climate-based tariff adjustments, and building partnerships with professional stakeholders. Furthermore, fostering transparency in AI-driven processes, optimizing tariff rates through actuarial analysis, and developing flexible, customer-centric products will position insurers to meet evolving demands. By implementing these strategies, insurers can navigate the complex challenges and opportunities of a digitalized insurance landscape, enhancing value for both customers and stakeholders.