Future perfect?

Many of the more traditional insurers have not responded well to the
rapidly changing environment - structure, systems, practices and culture
have often been more of a hindrance to the management of change rather
than a facilitator. If the forecast pace of change continues, the
traditional insurer will become a museum piece, unless plans are put in
place to cope with the changes, which will extend well into the next
decade.


Specifically, personal lines insurance is being challenged by shifting
consu

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