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By Ross Buchmueller, president and chief executive officer, PURE Risk Management LLC

Like many in the insurance industry, I enjoy reading the views of insurance company executives in their annual letters to shareholders (or policyholders, in the case of mutual insurers). This year, as I read the letters of some of the nation’s largest and best-known insurers, I was struck by the enormous challenge of aligning the interests of insurance policyholders with those of shareholders.

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