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It’s time for insurance carriers to realize the value in moving beyond traditional models and offering customers value-add, risk-mitigating services. (Photo: Shutterstock) It’s time for insurance carriers to realize the value in moving beyond traditional models and offering customers value-add, risk-mitigating services. (Photo: Shutterstock)

Insurance is, by its very nature, a reactive product. Think about it: consumers only ever interact with their insurance company in one of two ways — their regular bill or a claim, neither of which are a particularly positive customer experience.

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