SMA's research on Google and insurance struck a nerve with many in the industry. Google is bringing an outside-in, customer-driven approach to innovation that is causing insurers to rethink, reimagine, and reinvent their visions of a technology enabled future.

Within the insurance industry, intensified consumer demands, increased competition, distribution channel evolution, product and service differentiation, as well as technology disruption, all contribute to a business environment of continual change. And, in the face of great change, insurers must be able to make decisions quickly, and adapt on the fly.

The historical assumptions that serve as the foundation of insurance and business models have been shaken these past few years. Issues exposed by the recession highlight reasons for a 25-year downward trend in underwriting profitability. Factor in challenges posed by todays market, such as changes in the economy, consumer demographics...

The historical assumptions that serve as the foundation of insurance and business models have been shaken these past few years. Issues exposed by the recession highlight reasons for a 25-year downward trend in underwriting profitability. Factor in challenges posed by todays market, such as changes in the economy, consumer demographics...

Over the last four decades, outsourcing has morphed as business models evolved, technology advanced and competition for resources and expertise expanded.

The definition of partner is "one who shares; has a close cooperation, joint rights, and responsibilities."

Just like being in the eye of a storm, the workers' compensation industry is in the eye of change which has accelerated due to the financial crisis, the "Great Recession" and continued increasing costs.

From a physiological perspective, the human heart pumps blood to keep us alive, and this holds true no matter who or where you are. Technologically, it's the same. Our business systems are the hearts