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The insurance industry is facing pressing issues: personal lines carriers are finding it difficult to sustain growth; consumers are increasingly choosing to less-profitable products; health insurers are facing the demands of an aging, empowered customer base; and commercial lines carriers are under intense competitive pressure from brokers for large, complex accounts and from shareholders expectations of improved returns.

Insurers face an increasingly challenging business environment. Customer service expectations are heightened. Margin and profit pressures are increasing. There are extensive regulatory changes, and increased competition from non-traditional companies. Yet a heightened competitive marketplace demands that you improve your operating and product-development efficiency and cater more responsively to customer needs.