P&C Insurance Trends Insurers Need To Watch in 2026
Explore the P&C insurance trends defining 2026: AI-driven underwriting, rising catastrophe losses, and the emerging risks insurers should watch.
Loss Development Factor: A Practical Guide for Property and Casualty Insurance
Understand loss development factors (LDF) with simple explanations, formulas and examples, including how actuaries use them to estimate future claims.
What Is a Market Conduct Exam? Steps, Findings, and Prep
Learn what a market conduct exam is, what regulators review, key steps in the process, and how insurers can prepare for compliance audits.
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More using employee benefits to care for multiple generations
Many workers in their 40s, 50s, and even 60s now find themselves financially responsible for far more than just themselves. Consequently, these individuals are using their employee benefits to help cover costs for their grown children, elderly parents, or both.
Senators note that ACA measures may negatively affect employers
Mandates on medium- and large-sized businesses to offer health insurance to employees remains a hot topic not only among employers and health and anti-poverty advocates, but also some legislators. To curb the potential of facing penalties if coverage is not offered, some U.S. senators are taking action regarding this aspect of the Patient Protection and Affordable Care Act.
Survey finds most Americans are concerned about retirement, but aren't prepared for it
In recent years, numerous studies have shown that Americans have significantly fallen behind with saving for their retirement. The financial fallout from the recent recession and the low interest rates that have prevailed have been contributing factors. Now, most realize the need to save; however, there is still a disconnect between recognizing this shortfall and acting upon that knowledge by re-starting a retirement savings program.
Increase noted in employers undertaking new health advocacy benefits
While numerous businesses large and small now extend their employees the option of enrolling in company-sponsored health insurance programs, many are now also beginning to extend a new, related benefit that can provide even greater help.
Montana passes new law for life insurers
There have been many regulatory changes for the life insurance industry in the past few years, both at the federal and state levels. One that life insurers may want to keep a close eye on, in particular, was recently passed in Montana.
Indemnity insurance exceptions for Affordable Care Act more clearly defined
Various provisions of the Affordable Care Act are slowly being implemented nationwide ahead of the January 1, 2014, date on which the majority of Americans will be mandated to have health insurance coverage.
Individual health insurance claims costs likely to increase under ACA
Experts have long expected that there would be significant changes under the Affordable Care Act's reforms which fully go into effect on January 1, 2014. New estimates show just how costly some aspects of the law may be.
Income annuity sales climbed to record high in fourth quarter
Though many income annuity issuers have seen only small upticks or even declines in business over the last several years, the ongoing economic recovery seems to be helping the industry considerably. In the final three months of last year, sales of these financial products reached an all-time high.
Washington considering potentially harmful retirement incentive cuts?
Many baby boomers with average incomes rely on a number of tax incentives from the federal government as a means of increasing their retirement savings funds and setting themselves up for a happy and health post-career life.
Life insurance activity took tumble in February
In recent months, many life insurance issuers have likely noticed that the amount of business they're doing has taken a bit of a tumble, and that trend unfortunately continued into the month of February.