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!["Closing the [mortality protection] gap is a key reason that gave birth to digital insurers in Hong Kong. Another main factor is accelerating innovation in the industry that has been slow in adopting new changes.” - Ngan](https://assets.theedgemarkets.com/W5-Ngan-tem1410_20220301145853_theedgemarkets.jpg?vWKp2mc66lntd6dnGUesLp0bCE8TGJGM)
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