It doesn't take an arcane soothsayer poking around in some poor bird's entrails, or a carnival clairvoyant to make predictions about the future these days. With a bit of careful analysis, experience and a keen intuition, it’s possible for insurers to get the pulse of the market and determine a business plan for the coming year.

Today, Mark Konen, president of Lincoln Insurance and Retirement Solutions, issued a list of six products that he sees continuing to shape the insurance industry in 2011.

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