March 18, 2011 – As the insurance industry emerges from recession, it faces a sea of challenges.

The economic slowdown has intensified price competition, hitting margins at a time when market turmoil has depressed revenue streams from many insurance holdings. Similar difficulties in adjacent financial sectors have brought new competitors — for instance, joint ventures between banks and financial advisers — into the insurers’ traditional terrain. Structural changes continue to shift global revenue pools to emerging markets, while customer behavior is shifting as more transactions move online.

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