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How InsurTech disrupts the US insurance market and does it disrupt it anyway?

Tremendous size, advanced maturity, high complexity, outdated solutions. Insurance industry in the USA seems to be the dream one for startups ready to revolutionise the market and disrupt its current state. And although the US InsurTech is leading with innovations, the wind of change there feels more like a subtle breeze than a typical American digital tornado. Why is that? What does slow down the tech revolution in the US insurance market?

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