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Challenging economic conditions, reduced returns on investment, in-creases in large claims, and increased competition have all combined to drive approximately one-third of U.S. insurers out of the market over the last 15 years. Reductions in top-line revenue concurrent with shrinking profitability have had their impact. Today, fewer, generally speaking larger, and definitely more intensely focused insurers are vying for a larger share of an increasingly well-informed and demanding market, one that has shifted demographically, behaviorally, and intellectually.

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