Many insurance companies still depend on so-called “legacy systems”—mainframes or large servers that store and pump out quotes, policyholder specifications, policy data and claims information. They may have been originally brought in decades ago, and have been tweaked, updated and reconfigured along the way to keep them running smoothly.

In many cases, they run so smoothly, and have so much business logic embedded within them, that it's a costly and disruptive exercise to attempt to replace them—at least all at once. So they keep running.

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