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My friends at the Insurance Public Relations Council invited me to speak at their spring conference last week, held at the iconic MetLife building on Park Avenue in New York.

I was asked to address the top trends in the insurance industry, which I agreed to do on one condition: That the group engage me in a conversation about my list of hot topics. I wanted to hear from them about the trends whose importance I had overstated, underestimated—or missed entirely.

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