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Building bridges among product lines and injecting more operating flexibility into siloed insurance organizations should enable faster reallocation of resources and help carriers attain an evolving, yet optimal product portfolio and improve return on capital.

The insurance industry is facing a number of existential challenges, yet most insurers have been reluctant to reinvent their products and operations.

Googles decision to shut down its aggregator website for auto coverage shouldnt prompt insurance agents to celebrate the victory of live intermediaries over Internet sales.

Small-business insurance carriers are grappling with whether to sell directly to consumers over the web, but they're fearful of undermining their existing distribution force.

Insurers looking to up their game on customer service should follow the lead of tech-focused companies when it comes to establishing closer, more interactive ties with their policyholders.

The majority of Americans remain insecure about their retirement prospects, often because they don't work with a financial professional to put a formal savings, investment, and insurance plan together to account for their "golden" years, Deloitte's most recent research revealed.

Many insurers will likely look to improve internal systems and become more cost-efficient to increase profitability in the face of looming threats to their income streams.

Insurers should start tackling a quartet of long-term challenges likely to prompt transformations in how the property and casualty industry does business, both internally and externally.