The sluggish U.S. economy is just one of the many challenges confronting the life and annuity industry in its pursuit of organic growth, according to “2013 Life Insurance and Annuity Industry Outlook.”

“Insurers face enormous challenges in the year ahead, and not just because the pace and durability of the U.S. economic recovery is uncertain,” said Rebecca Amoroso, Vice Chairman U.S. Insurance Leader Deloitte LLP in the report. “Indeed, for carriers to expand their business and improve their profitability over the long term, they should keep their eyes focused beyond the short-term obstacles they may come across in terms of the business climate.”

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