A mere year ago, the insurance industry was just fleshing out the concept of what XML Web services are: platform-independent, loosely coupled, programmably addressable applications accessible via the Internet. Web services are a technology in transition, past the point of whats new columns in trade publications and implementation by first-adopters, but not yet to the point of critical mass usage.

Many insurers are finding Web services to be a straightforward solution for specific problems, and the solutions to those problems may hold the key to bigger solutions ahead.

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