When I bought my home 10 years ago, it met my needs well. But over time, circumstances change. Growing family? Need another bathroom. New home office? Gotta have more outlets.But each new project smacked headfirst into common old-home issues. Could the utility infrastructure support the new load? What structural changes were needed to access core components of these systems? Should I simply upgrade to a new home?

Think of insurers legacy systems as old houses, supported not only by old infrastructure but replete with long-forgotten nooks and crannies and hidden architectural components known only to the builders. And now you understand the problem: Whenand howshould insurers extend legacy systems, and when should they pull the plug?

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