As the capabilities of handheld cellular devices continue to increase, their usage has proliferated accordingly.

Consumers have come to depend on smartphones for an ever-widening range of applications that now encroach on even those sectors of business once dominated by personal interaction.

Insurance companies in particular have been slow to explore the potential of digital communication, but recent research indicates that even the firms' own employees believe further investment in mobile technologies will be necessary to keep pace with the surrounding culture.

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