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Insurers are in the business of risk, but many may have an organizational blind spot when it comes to dealing with more strategic threats that could disrupt their value proposition and business model.

For example, what if the advent of driverless cars eliminates the need for personal auto liability insurance? Will medical advances extend life spans to the point where life insurance and annuity products need to be radically changed to remain viable? And how should carriers respond if major online retailers start to underwrite as well as distribute insurance products?

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