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Insurance Trends, Ideas, & Analysis From Insurance Nerds

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Pricing Infrastructure Is Now a Competitive Weapon, Not Just an Actuarial Tool

2 min read

Pricing Infrastructure Is Now a Competitive Weapon, Not Just an Actuarial Tool

The carriers winning market share today aren't necessarily the ones with the smartest actuaries, they're the ones whose actuaries can work fastest with the most data. The fundamental economics of insurance pricing have shifted. What was once...

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Life Insurers Face a Mortality Blind Spot as Cancer Strikes Younger Adults

2 min read

Life Insurers Face a Mortality Blind Spot as Cancer Strikes Younger Adults

Traditional age-based underwriting models are failing to capture the 30% surge in colorectal cancer diagnoses among adults under 50, creating a...

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Insurance Performance Reviews Are Failing Women and Minorities, But Three Feedback Fixes Can Change

2 min read

Insurance Performance Reviews Are Failing Women and Minorities, But Three Feedback Fixes Can Change That

Insurance leaders serious about diversity must confront an uncomfortable truth: their performance review process is systematically undermining the...

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3 min read

Empower Data and Risk Management With Unconstrained Modeling

This Guest article was written by Nickolas A. Alvarado, FCAS, CSPA, MAAA and Brett Nunes and first appear here Empower data and risk management with...

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Insurance Carriers Need AI Strategy, Not Just AI Tools

2 min read

Insurance Carriers Need AI Strategy, Not Just AI Tools

Most insurers are buying AI point solutions when they should be building AI-augmented enterprise strategies that reshape how they compete. The...

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Florida's Self-Procurement Tax Is Quietly Building America's Next Captive Domicile

2 min read

Florida's Self-Procurement Tax Is Quietly Building America's Next Captive Domicile

Florida's captive market isn't growing because of legislative reform, it's growing because the state is making it expensive for companies to domicile...

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Fleet Telematics Finally Proves ROI Beyond Risk Management

1 min read

Fleet Telematics Finally Proves ROI Beyond Risk Management

Active speed assistance technology is delivering measurable operational wins that make the business case for fleet telematics stronger than safety...

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Auto Insurers Face Fresh Volatility as Geopolitical Anxiety Hits Car Sales

2 min read

Auto Insurers Face Fresh Volatility as Geopolitical Anxiety Hits Car Sales

Major automakers warning that Middle East conflicts compound buyer anxiety signals a new volatility cycle for auto insurers just as they've...

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El Niño's Return Could Test Property Insurers' Catastrophe Modeling Assumptions

2 min read

El Niño's Return Could Test Property Insurers' Catastrophe Modeling Assumptions

A 62% probability of El Niño formation by September presents property insurers with a climate pattern that fundamentally alters risk concentrations...

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Two Fatal BlueCruise Crashes Signal Insurance's ADAS Liability Problem

2 min read

Two Fatal BlueCruise Crashes Signal Insurance's ADAS Liability Problem

The NTSB's upcoming hearing on Ford's hands-free driving system failures exposes how insurers are stuck covering losses from technology that wasn't...

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