Heading into 2026, there is little doubt insurers are entering an era of considerable uncertainty—from economic and geopolitical volatility to the increasing frequency and severity of catastrophic events. At the same time, clearly defined boundaries are blurring, distributors are consolidating and refashioning, and the technology landscape continues to alter business models. Layered onto this are rapidly evolving customer expectations, redefining what value, convenience, and trust mean in the context of insurance.
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