Insurance companies are under pressure. Changes in the regulatory and economic landscape, along with cautious spending by customers are leading insurers to look at better managing their risk and improving operational efficiencies.

In particular, the Life and Annuities industry in the US is still reeling from the effect of the most recent collapse of the financial markets. Low interest rates and the sluggish growth in disposable income have been putting downward pressure on profit margins, highlighting the increasing need for innovation and superior operational performance across the industry.

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