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One of the deepest concerns Americans have today is that their political leaders are delaying the inevitable. Instead of facing up to the financial problems our country faces, they choose to put things off and borrow against the future.

I sometimes wonder if insurance carriers aren’t employing the same strategy, particularly when it comes to their core solutions. There is no doubt that legacy replacement has been an important issue for most of the first decade-plus of this century, but industry observers don’t see any short-term end to this situation.

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