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Considering three macro trends impacting insurance and other financial services - social and cloud access, internal and external client centricity, and a quantum leap in data insights and big data - reinventing the relationship with the customer means committing to developing a durable in-house advantage. Where should insurance carriers be investing? Listen as analyst Will Trout, Senior Analyst, Wealth Management at celent.com paints a picture of converging delivery channels, products and platforms.