There is change afoot but who is driving it?

Although it is often perceived as staunchly traditional and resistant to change, the insurance industry has undergone major changes in the last 24 years. At times, this constant change has seemed to threaten the market's future, or at the very least, hinder the market's ability to operate during this period, it has been change that has saved it from near disaster.

However, more change is still needed, including faster and more certain business processing, greater transparency and tailored

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