Despite the rise of InsurTechs and other external disruptors, many insurers are still struggling to initiate, manage and implement innovation beyond making incremental improvements in current systems, products and business models. Despite the rise of InsurTechs and other external disruptors, many insurers are still struggling to initiate, manage and implement innovation beyond making incremental improvements in current systems, products and business models. (Shutterstock)

When people ask me about the outlook for insurance, I tell them it depends on whether they want to talk about the weather or climate change.

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