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Denise Garth is the senior vice president of strategic marketing and industry relations for Innovation Group. 

The historical assumptions that serve as the foundation of insurance and business models have been shaken these past few years. Issues exposed by the recession highlight reasons for a 25-year downward trend in underwriting profitability. Factor in challenges posed by today’s market, such as changes in the economy, consumer demographics and expectations, and added distribution channels, and insurers must walk a new path of innovation to reverse the trends of the past.

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