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The U.S. insurance industry wrote more than $1 trillion in premiums in 2014, with life and health insurers recording 54 percent of that total. While that might sound like a strong endorsement for the current structure of the industry, the ways in which life insurers do business need dramatic change. In particular, life insurers should be taking better advantage of digital capabilities to expand their sales horizons and target new and/or underserved market segments.

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