I think that the insurance corporate landscape is going to change - substantially - over the next decade. As the baby boomers move on into greener pastures, the products that sell will change, and they'll change fast.
Business as usual isn't going to work for insurance carriers. The old product-development life cycle (distribution asks for it, marketing creates a concept, actuarial prices it, IT says it can't be done) will result in carriers missing out on their share of as much as $41 TRILLION dollars that is changing hands.
If you can't get new products up quickly, and you can't squeeze out costs, and you're letting your strategy get in the way of your tactics, you'll miss the whole thing.
