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Insurers cannot afford to wait on the sidelines as disruptive trends in technology, the economy and society threaten to negate the orthodoxies under which the industry has operated. (Photo: iStock)

The insurance industry is facing a number of existential challenges, yet most insurers have been reluctant to reinvent their products and operations, maintaining the status quo based on a series of long-held “orthodoxies” that may no longer shield them from long-term disruption.

Among the forces of change confronting insurers are rising customer expectations for personalized coverage and service in an increasingly connected world, macro-shifts in the economy and culture that threaten to dismantle their traditional business models, as well as new categories of exposures that offer both growth opportunities and inherent bottom-line risks.

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