It's all about the data...

In just a decade and a half, approximately a third of the insurers serving the United States vanished as escalating competition ate into top-line revenue growth and bottom-line profitability.... A chasm is growing between insurers using state-of-the-art analytics and those who aren't...Increasingly, the 'haves' will be able to write business at the margins they target. The 'have nots' will fall victim to adverse selection, as more sophisticated insurers target the risks apt to prove profitable.

And the bar will rise continually as competition drives weaker players from the field. Today's 'haves' are at risk of becoming tomorrow's 'have nots'".

- Frank J. Coyne, Chairman, President and CEO of ISO.