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Now most insurers are working together with InsurTechs to capitalize on new applications, algorithms and mobile apps. (Photo: Shutterstock)

When InsurTech startups first appeared on the scene, many incumbent carriers may have seen them as existential threats. But given time, panic attacks have generally given way to a more sober appreciation of how disruption can be leveraged to a particular carrier’s advantage via collaboration with the new kids on the block.

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