Whether premium dollars for 2011 are flat—as some experts predict—or on the rise, none of the analysts interviewed by Tech Decisions for this article believe the industry is ready to return just yet to the golden days of three years ago.

That means insurers can expect fierce battles to attract new policyholders and retain their own best customers in 2011.

Craig Weber, senior vice president and head of the insurance practice at Celent, is among those who expect premiums to remain flat throughout 2011 and possibly to stay that way until 2013 at the earliest.

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