Dharam Khalsa

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

Most Recent

The Future of Long-Term Care Insurance

Dharam Khalsa

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

Six Things

Wildfire Season Is Looking Horrific

By Paul Carroll

Wildfires have already ravaged the U.S. this year, and perhaps the strongest El Niño ever is about to make conditions much hotter and drier.

Insurers' Readiness Gap on AI

The problem is not that insurance organizations' data is bad. The problem is that it was shaped for humans, not AI.

AI Needs an 'I Don't Know' Feature

Insurance AI scales when it defers to human expertise and flags uncertainty, not when it claims to automate everything.

The Nature of Insurance Pricing Is Changing

Modern market pressures force insurers to transform pricing from fragmented relay race into cohesive and strategic enterprise capability.

Moving to a 'Platform Economy'

As generating traffic becomes a commodity capability, competitive advantage shifts from managing customer relationships to participating in their decisions.

A Practical Launch Framework for Insurance Startup Programs

Unclear roles and weak project discipline—not talent shortages—cause most insurance program launches to stall or fail.

AI Agents Transform Buying Behavior in Financial Services

Agentic commerce is transforming financial services as AI agents evaluate products. Institutions must now compete for algorithmic visibility.

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