Data–specifically customer information–is the very lifeblood of the insurance enterprise. Not surprisingly, then, ownership and stewardship of that data is a subject on which many in this industry disagree. Having heard the arguments over the years, National Underwriter decided to ask two key questions of an agent, a carrier's chief information officer and an industry analyst:
o First, who actually owns the customer's data?
o Second, with whom should that data reside?
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