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Rapid technology changes, demanding customers, tight regulations, catastrophes, capital buildup, low interest rates, slow economic growth—not exactly the horsemen of the Apocalypse, but these factors will determine the fate of insurance in the New Year, says Ernst & Young.

“These forces have not had as great an impact in 2013,” says EY in a report covering its U.S. P&C industry outlook. “Nevertheless, these issues remain volatile and their impact should not be underestimated in 2014.” 

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