When it comes to the core systems, insurers can't afford to wait for the economy to turn around before they begin investing in improvements.

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Problems with core systems are scary for any insurance carrier, but the thought of investing heavily in today's economy is enough even for the bravest to keep on the nightlight. Still, as Craig Weber, senior vice president in the insurance practice at Celent, points out, insurers really can't afford to stop spending.

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