While insurers have been relatively quick to jump on the mobile-technology bandwagon, they still have a long way to go to make apps an integral part of their policyholders' lives.

That's one of the key takeaways from a trio of focus groups run on behalf of the Deloitte Center for Financial Services this past summer, exploring how mobile apps are viewed by consumers when it comes to insurance, banking and asset management.

Mobile capabilities have quickly become table stakes for most industries, and insurance is no exception. Many insurers have apps to offer, and a number of carriers regularly advertise their availability.

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