Underlying all 2016 trends is perhaps one of the largest focus areas for insurers: data security.

Several high-profile insurance data breaches in 2015, including the Anthem and Premera healthcare hacks, served as a giant wake-up call to the insurance industry — as hackers plucked the personal information of millions of consumers and forced the insurance industry to up the ante on its cybersecurity practices. As insurers explore technologies that collect more data and customer information than ever, they have no choice but to step up, says Gil Bishop, CISO of Amica.

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