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The insurance industry has evolved more in the last five years than it has over the previous 50. Advances in technology upended the standard top-down legacy model such that property or vehicle owners can now download one of dozens of apps and sign up for a policy in minutes. This ability to take full control over their insurance policies while cutting out the traditional gatekeepers has changed the way the game is played.
Yet, the advent of insurtech and the deep personalization it brought are still not true disruption. Artificial intelligence (AI) is the actual disruptive force in insurance.
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