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An article published on thestreet.com states, “Many think that the insurance sector is ripe for new business models that bring operational efficiency to what could be considered a bloated, bureaucratic industry with high overhead costs.”

The author was referring to the potential for disruptive business models emerging in the insurance industry, such as peer-to-peer insurance, self-insuring and risk pooling. The genesis behind many of these new models are changes in how people buy insurance, how they want to engage with insurers, and how their needs for insurance are changing (and the insurance market, too — driverless cars, anyone?).

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