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Insurers are facing a disruptive set of social, economic, regulatory, technological and environmental developments. The results can already be seen, ranging from the impact of price comparison sites to the pressure on operations and capital efficiency and capital generated. The introduction of Solvency II and other regulations has further changed the environment. The longer term implications for the viability of strategies, business models and operating structures will be even more far-reaching.



Jonathan Howe

UK Insurance leader

Follow Jonathan on Twitter @JonathanHowePwC