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Expanding into new states often means regulatory headaches as new agents are appointed. A Web-based solution helped one health carrier ease the process.

Dealing with state regulators is one of the least exciting aspects of the insurance business, but when a young insurer wants to grow by adding new markets for its product, the regulatory challenges can be fierce. Imerica Life and Health Insurance, a health insurance specialist, found the prospect of appointing agentsas many as 1,000 in a statedaunting when the growth plan called for expansion to between 30 and 40 states.

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