Robert Kerzner, president and CEO of LIMRA, LOMA and LL Global, opened the 96th LIMRA annual conference by asking the more than 500 senior leaders from life insurance and financial services companies in the audience if the industry is “headed toward the abyss.”

In outlining the obstacles and opportunities facing insurance and financial services companies, Kerzner pointed to protracted low interest rates, intensified regulation and growing demand of investors and stakeholders as chief contributors to current challenges being faced by insurers.

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