Off-shoring, a channel to reduce costs. If that is the only benefit you can relate offshoring to then you are here for a paradigm shift. Because you maybe under-utilizing the offshoring capabilities.
As the life insurance firms leverage the last bits of arbitrage opportunities created by the risk pool of their policy owners there comes a new technology revolution to aid in creation of blue oceans for them. At the same time it requires heavy investments. So should you engage or wait and watch?