Great chart here
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The Build Vs. Buy Debate | Celent
This report examines some of the rationales, advantages, and disadvantages of each path. While there is no single option that is universally best, Celent recommends that insurers carefully consider immediate and long-term needs and costs, project risk, and organizational capabilities as part of the build vs. buy decision process.
http://www.celent.com/node/26110#.UO8-C01EVUg.google_plusone_share