Modernising underwriting: from segregation to integration
The insurance market is admittedly a conservative environment so it comes as no surprise that historically it has been accused as being bureaucratic, unimaginative, slow-moving, etc. Despite the fact that a market offering long-term commitments should have stability and not flexibility as its primary priority, many of those accusations do hold water.
This atmosphere has triggered multiple efforts in the last two decades to change the traditional ways towards a more aggressive approach for ‘modernisation’ or ‘evolution’. Such efforts essentially focused not so much on the ways of doing the business, but merely on the ways of running the business (two different things which are often confused).
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