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The insurance industry is facing significant challenges, including climate change, geopolitical upheaval, and competition from insurtech startups. Many insurers have not yet embraced the necessary changes to address these challenges, and are hindered by legacy IT systems that create data silos and undermine agility. To be successful in the future, insurers must make significant investments in technology and innovation, and have a strong appetite for change. This will help them become more resilient and competitive in the long term.