Needham, Mass. - Recent trends and statistics on how we live, communicate, and work today point to significant changes poised to reshape how U.S. insurance carriers respond in areas such as products, services, and the use of technology. TowerGroup believes that over the next few years, the leading insurance companies will embrace these changes and use their scale, financial strength, and flexibility to maintain a sustainable advantage.

According to TowerGroup, a Needham, Mass., research and consulting firm, four important macro trends will affect the way an insurance company does business over the next few years:

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