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When technology starts to explode over an industry such as insurance, early adopters react with quick movement to get in on the action. But how many of those companies actually take the time to develop a strategy in the face of pressure to react to the quick actions of the competition?

This has proven to be particularly true when it comes to mobile computing. At one time, mobility meant laptops and Wi-Fi and the eternal search for the “killer app.” As we have come to learn, though, it was not the app that turned things around, it was the hardware—tablets and smartphones—that turned everything on its ear.

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