While property and casualty insurers face market conditions and additional obstacles that may be outside of their control, that doesn't mean they don't have the ability to shape their own destinies.

Consider the following potential game-changing developments covered in our "2014 Property and Casualty Insurance Industry Outlook: Transforming for Growth/Innovation Leading the Way."  Whether these are opportunities or threats may be entirely up to how each insurance company deals with them.

• Be prepared for a more dynamic mergers and acquisitions market.

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