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Picture this scenario: A MetLife home and auto policyholder visits Amazon’s site over a two-month period to purchase products for a newborn on the way, including food and clothing, a baby crib, stroller and wireless monitor. Before a Metlife’s agent learns of this coming “life event,” an Amazon call center agent, shopping cart transitions in hand, offers the customer a life insurance policy through a partnering carrier, taking new business that, in years past, would likely have gone to MetLife.

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