If anything, sometimes they get more efficient, because they're able to bring in some economies of scale. You speak with a louder voice, you may get better service, better pricing, those kinds of things.

Because they have grown through acquisition, many insurance companies run their various lines as independent businesses. Because there were systems in place that worked when businesses were acquired, there really was no immediate motivation to change.

The only potential shadow ... is the slight decline in commercial premiums, which reflect an overall softening in that market.

Insurance CIO/ CTO Pressures, Priorities, Projects, and Plans for 2006: Survey Results. In general, 2006 looks to be much like 2005. Insurers are focusing on growth, updating key core systems, embracing more flexible and affordable architectures and resource strategies, and doing it all under tight supervision from the business side.

Insurers are turning their attention to the challenge of higher service expectations from 21st century consumers, business customers, and especially distribution partners. Half of the respondents already offer online billing and payment functionality.