As the saying goes, we've come a long way.

When we look at the advances and consider technology's momentum, it's easy to get excited about what we'll experience in the next 30 years. No doubt new opportunities await, but in order for insurers to be in the best position to take advantage, they must understand the whole story, and the resounding theme of that story is that tools without content are just toys.

Simply put, we must understand that technology will never produce a silver bullet, and that it is only as robust and beneficial as its human support is knowledgeable. As competitive as today's market is, carriers can't afford to be lulled into a false sense of security about automation. If anything, because of the speed automation allows for, they must be even more vigilant to ensure they are addressing their business concerns correctly through technology, harnessing it effectively and asking the right questions of the vendors who are making the pitches.

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