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If technology has done one thing in the personal lines world of insurance it is to increase the competitive nature among carriers. Through advances in automated underwriting and easier connectivity through the Internet, insurers of all sizes are going after the same customers.

“Carriers are trying to understand what is in the hearts and minds of the consumers they are trying to attract, how they can differentiate themselves in the marketplace, and how the consumers of the future want to be served and interact with carriers,” says Rebecca Amoroso, vice chairman and U.S. insurance industry leader for Deloitte

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