Insurance carriers have been capturing data for many decades. Unbelievable amounts of data.  If not well implemented there are sometimes problems when it’s production time. If that data is not rock solid while it is being actively used as a strategic, decision enabling asset the company is at risk. 

Building a strategic data store with a wide variety of data just isn’t easy no matter what anyone tells you. Gathering lots of granular diverse data well is powerful but gathering it in a way that can be analyzed gets more complex. The complexity multiplies the further back you go in time and the more systems you integrate.