Summary   Ema Roloff, Co-Founder and Principal Consultant of Roloff Consulting, discusses the challenges and opportunities of digital transformation in the annuity and broader insurance industry. She emphasizes the importance of addressing legacy systems and the education gap in digital literacy. Ema provides insights on how to start building digital literacy and recommends finding reliable sources for learning. She also discusses the fear associated with AI and the need to overcome it by focusing on the benefits and practical applications. Ema highlights the power of video content and authenticity in marketing and suggests becoming the favorite teacher to build trust with customers. The conversation concludes with a discussion on reaching the right audience with video content.   Takeaways   Legacy systems and the education gap are key challenges in digital transformation in the insurance industry. Building digital literacy is crucial for individuals and organizations to leverage emerging technologies effectively. Overcoming fear and focusing on the benefits of AI can help drive adoption and build trust. Video content and authenticity are powerful tools for marketing and building connections with customers.   Chapters   00:00 Introduction 01:18 Ema Roloff's Background and Expertise 03:01 Legacy Systems and Digital Transformation 05:32 Education Gap and Digital Literacy 06:21 Starting Point for Digital Literacy 09:15 Finding Valuable Insights and Lessons 10:09 Trial and Error in Finding Good Sources 18:13 Overcoming Fear and Building Trust in AI 20:59 The Next Wave of Adoption and Perception Change 23:29 Importance of Educating People in the Company 25:31 Understanding the Problems and Bottlenecks 27:52 Completing the Puzzle in Digital Transformation 30:43 The Power of Video and Authenticity 36:15 Reaching the Right Audience with Video Content 39:37 Becoming the Favorite Teacher and Building Trust 40:59 Closing Remarks