Building bridges among product lines and injecting more operating flexibility into siloed insurance organizations should enable faster reallocation of resources and help carriers attain an evolving, yet optimal product portfolio and improve return on capital.

Carriers can learn from these innovators' focus on how to improve the customer experience with simplified processes, refined product structures and personalized market.

For many carriers, the database hasn't evolved in years. When it's time to update the data warehouse, here's what to do.

While carriers are storing call center notes, claims adjuster comments and emails, many are not harnessing the full potential these rich, yet complex, data sources can provide.