Welcome to the next generation of the insurance enterprise. Project your roadmap out by 20 years: policies are now underwritten by analytics; the insurance market is controlled by ones or zeros; underwriting selection, pricing and customer service are automated; and the need for the good neighborhood agent is gone. 

At this point in time, the adjusters who learned how to calculate business income losses and property damage on a clipboard, the underwriters who developed profitable careers within the confines of a paper file, and the operations managers who could raise productivity through leadership are all retired and sitting on the beach.

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