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Tell someone in the insurance industry that it’s all about risk, and they’re likely to look at you like you’ve grown three heads and say condescendingly, à la the current Geico ad campaign, “Everybody knows that.” But the real risk in the industry, according to a leading futurist, may be the risk of doing nothing—of failing to adapt to the rapid, and global, pace of change in a business that increasingly and continually must prove itself responsive to consumer needs, wants, expectations, and trends.

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