We live in an always-connected world. We have computers in our pockets and nformation and news can be shared worldwide within minutes. According to Pew Research, more than 85 percent of Americans have a smartphone.

The world is rapidly changing and frankly, the insurance industry hasn't always kept up. Products, services and business models that have worked for decades are no longer the most efficient option. Sometimes, it feels like the whole industry is behind by a decade or two.

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