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The risk placement process in Insurance will be highly efficient, with the risk manager seamlessly integrated with a wide network of insurers.

Much of what agents and brokers do for their insurance clients can be replaced by Artificial Intelligence.

The insurer of the future will have far fewer employees per million of premium than its predecessors—and they will be a different type of employee, with better support.

The insurer of the future will reorganize its back office using automation—but it will do so “smartly.”

For the insurer of the future, products will be created as a series of modules—enabling myriad new products to be developed quickly, easily, and automatically.

The Insurer of the Future’s customer won’t have to buy individual products. Instead, she’ll buy a total risk management solution which constantly flexes to meet her actual needs – and charges her accordingly.