Life & Health

Epic's Microsoft-OpenAI AI stack creates compounded risk for health insurers, which have zero leverage over pricing or governance.

Treating frontline healthcare workers as unskilled labor masks their role as primary risk drivers in workers' comp and liability claims.

Traditional distribution models can't economically serve the middle market, but AI-enabled embedded insurance is closing the gap.

After years of rapid change, insurers prioritize strategic consolidation and efficiency in 2026, with health insurance leading growth.

Insurers must redesign products, emphasizing relevance, simplicity, affordability and flexibility to attract younger policyholders.

Years pass before medical advances influence insurance decisions, but computational clinical modeling accelerates evidence-based risk management.

Customer acquisition costs have surged 222%, and one poor claims experience can destroy trust and trigger churn.

ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance.