Innovation does not always have to start with a big bang. It can start simple. We all know that doing anything in insurance across 50 states is often a long, complex and expensive process, but it is possible to begin with an idea around a new model, product, channel and/or line of business. Decide on which state(s) to start with, and then run with it. What a great way to launch and experience innovation.

This past year we have seen new distribution models springing up on both coasts: auto in California and life in Massachusetts. Let your imagination take over and you can envision innovation spreading across our industry … across every state in our nation … and beyond.

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