The property-casualty industry stands at a critical juncture in the evolution of the global economy. Across the financial services industry, technology is driving a global wave of innovation that presents an ever-expanding menu of choices for consumers. From interest-only mortgages to exchange-traded funds, today’s consumers have access to more sophisticated tools than ever before to manage their personal finances.

Yet, in stark contrast, the American p-c industry is saddled with a costly and outdated system of state-by-state regulation that stifles innovation and restricts customer choice. Without regulatory reform, p-c insurance will fall further behind in addressing consumer needs–rather than being recognized for its value as a societal safety net for individuals, their families and the economy as a whole.

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