Everyone is talking about emerging technologies.

Kids want drones for their birthdays. Runners want the latest in fitness wearables. Building managers want smart energy solutions. Farmers want sensors in their fields. The list could go on and include examples from practically every human endeavor.

So, how will this really affect P&C insurance? And perhaps a more important question — when will various technologies really make an impact? Ultimately, will these technologies collectively represent the industry's best dream or its worst nightmare? A new SMA research report, "Emerging Technologies in P&C: 2016 and Beyond," addresses these questions.

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