Dharam Khalsa

Dharam Khalsa is co-founder of Mirador, an assisted living platform.

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How can we widen coverage and ensure more Americans enter retirement with the financial protection they need?

The possibility of an "insurtech spring" that I raised in March seems to have become a full-on "insurtech summer."

Insurers are great at using their abundant data for analysis but can't constantly mine it for insight that drives action in real time.

2025 marks insurance's transition from AI experimentation to execution in daily underwriting operations.

Insurers that position themselves as risk partners—not just risk protectors—will win market share and customer loyalty.

Growing numbers of solo agers require careful planning to maintain independence and dignity.

AI transforms insurance operations from a future concept to a present-day imperative, with early adopters already seeing dramatic efficiency gains.

Research shows that, despite front-end digitization, outdated claims payment infrastructure undermines insurers' efficiency and customers' trust.