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Insurance providers continue to deal with one of the most competitive and challenging periods in the history of the industry. Regulations are in a state of constant flux, customers are more willing to switch carriers than ever, and they expect faster, personalized offers and service. At the same time, policyholder information still isn’t easy to collect, analyze and approve, and many companies haven’t been able to automate processes as successfully as they’d hoped. Underwriters try to make the best of legacy systems, though, because the downward pressure on margins makes it harder for companies to staff up or upgrade their software.