The famous hockey player, Wayne Gretzky, said " A good hockey player plays where the puck is. A great hockey player plays where the puck is going to be." The challenge of being great at hockey is that the puck is always moving. The same can be said for the insurance business.

Fifteen years ago the hot new development was a website; now you can't imagine starting a business without one. Five years ago it was having a social media presence; now, do you know any business that doesn't have a link to its Facebook page?

There have been hundreds of other modest and major technology developments and tools that have come along over the past two decades, adding to the hype and the hope of large and small businesses around the globe. None have had the impact that smartphones and tablets have had on the collective mindset.

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