The demands for organic growth are intersecting with an increasing volume of regulatory pressures tied to consumer protection to create a perfect storm for insurers.

Regulation is largely a stepchild of markets; as the economy ebbs and flows, so does lawmakers' interest in protecting businesses and the consumers who rely on their services. Lately, thanks mostly to technology-enabled customer communications and transactions, consumers are the focus of much of the regulatory interest affecting insurers in the United States and abroad.

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