NEW YORK --Even before the full impact of the recent hurricane activity is known, the majority of the 150 senior insurance executives surveyed are less optimistic about premium growth and the industry's ability to increase margins, according to KPMG LLP. 

Survey results also reflected that the amount of resources needed to address Sarbanes Oxley compliance was far greater than anticipated a year ago. While most of the competition is still seen from domestic insurers (51 percent), survey results demonstrate that there is an expectation that competition from international financial-service companies will increase (24 percent).

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