True ecosystems capitalize on the functionality brought in by third parties to platforms, devices and systems, utilizing the technology and data hubs found within the ecosystem. In some cases, insurers act as the ecosystem core. In others, such as in Group & Voluntary Benefits, they are now beginning to act as the third-party developers. Look at how insurers are now open to creating an increasing array of customer-focused products that are integrated to employer ecosystems and other devices within their ecosystems.