The central challenge with moving away from legacy technology is modernizing without breaking what already works.

Keeping up with regulatory and technology changes can be challenging, but with the right tools at the agents' fingertips, it's easy.

The time, costs, and resources required to develop and introduce new insurance products can be immense. To reduce the risk of launching a product that is not well received or does not perform to expectations, insurers should test products using an agile approach that is not dissimilar to how modern software is developed: