John Cardus

John Cardus is vice president, head of global underwriting philosophy & education, at RGA.

Prior to joining RGA, he worked for Swiss Re as the head of underwriting in Australia and New Zealand for three years until 2012, when he was named head of global underwriting.

Six Things

World Cup Shows Insurers How to Avoid a Red Card

By Paul Carroll

Amid a hugely successful World Cup tournament, Argentina demonstrated how actions by a few bad actors can chase away millions of fans (or customers).

Will AI Replace Insurance Brokers?

AI accelerates insurance workflows, but brokers remain essential as the translation layer between messy reality and carrier underwriting.

The Ghost in State Farm's Machine

State Farm's sweeping cuts to agent compensation signal how private equity thinking now shapes even mutual insurers' operating models.

'But the AI Told Me To Do It!'

As AI reshapes decision-making in insurance, the industry faces a critical question: Who holds liability when algorithms influence consequential outcomes?

Agentic AI Accelerates Insurance Product Cycles

Agentic AI enables insurers to compress delivery cycles by running parallel workflows, reducing handoffs, and accelerating time to production.

Claims Leakage Costs Insurers Billions Annually

Technology alone won't solve a leakage problem rooted in process gaps and human judgment.

How to Accelerate Recovery From Floods

Bipartisan legislation would use federal mitigation funds to support parametric flood insurance, accelerating disaster recovery in underinsured communities.

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