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      "kind": "list",
      "text": "INCUMBENTS; INCUMBENTS GROWN NEO INSURERS; NEO INSURERS; PRODUCT EXPERTS; NEO BROKERS",
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      "kind": "paragraph",
      "text": "Competing for clients on traditional distribution channels... Incumbent insurance companies establish greenfield... Tech-led players owning the full value chain... Focussing on one distinct insurance product... Sales & distribution focussed players...",
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      "text": "DRIVEN BY CONSUMER DEMAND, THE INSURANCE LANDSCAPE IS CHANGING AFTER DECADES OF STAGNATION",
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