A new year and decade will soon be born, and with it comes hope and excitement over what could be. But, for insurers, while the nature of the business would have you believe that hope springs eternal, the reality of the still-present financial crisis and anything-but-certain regulatory situation could temper most enthusiasm.

As part of its annual Insurance Industry Outlook, Deloitte looks ahead to 2010 and highlights six key points certain to be on the radars of insurance companies across the United States.

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