Life & Health

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Life Insurance Modernization Accelerates in 2026

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Life insurers are advancing from AI experimentation to execution, prioritizing ecosystem integration to address escalating retirement security demands.

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Life Settlement Industry Needs Stronger Advocacy

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Jeffrey Hallman

Life settlement sellers rarely receive competing offers, leaving billions on the table while direct buyers capture the spread.

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AI Transforms Actuarial Reporting

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Insurers are achieving 30% efficiency gains as AI shifts actuarial work from production tasks to interpretation and governance.

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How Self-Insured Employers Can Combat Healthcare Waste

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Self-insured employers can now prevent wasteful healthcare spending before payment using AI rather than recovering overpayments after the fact.

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The Fraud Window Opens at Death

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Deceased policyholders' digital accounts remain accessible to fraudsters but locked to legitimate beneficiaries, creating costly exposure for life insurers.

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8 Strategic Imperatives for Life/Annuity Insurers

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After years of extraordinary growth, life and annuity carriers must adapt strategies as market fundamentals shift in 2026.

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Healthcare Requires a New System Design

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Making healthcare affordable requires rethinking system design through financial protection, cost discipline and shared digital infrastructure, not just pricing fixes.

Woman in White Scrub Suit Wearing Black and Gray Stethoscope

Colorectal Cancer Challenges Life Insurers

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A 30% rise in colorectal cancer among adults under 50 is forcing life insurers to rethink age-based underwriting models.

Editor's Picks

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The Promise of Continuous Underwriting

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Typically, a risk is underwritten, bound... and forgotten. But new streams of data and automation allow for continuous underwriting.

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Convergence and the Insurance Ecosystem

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Stephen Applebaum

Companies must anticipate the future, innovate beyond their core and transform their capabilities as rapidly as technology allows.

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Lemonade's 'Synthetic Agent' Nonsense

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Desperate for growth, Lemonade produces another howler: A lender receiving a 16% interest rate is presented as a (synthetic) agent.

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Auto Insurance in an Existential Crisis

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Stephen Applebaum

The 125-year-old, $300 billion U.S. auto insurance industry is caught between runaway inflation and strained consumer wallets.

Six Things

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First, AI Slop. Now, 'AI Beige.'

By Paul Carroll

AI slop is just weird. "AI beige" is more insidious because it can deceive you into thinking you're smart when you're just being bland.

The Best Marketing You're Not Doing

Treating customer service as a cost center ignores how closed-loop operations transform complaints into loyalty and lasting revenue.

1

The Key to Scaling Embedded Insurance

The industry's real scaling problem is a lack of organizational mandate and cross-functional accountability, not technical limitations.

2

Claims AI Requires Strong Operational Guardrails

The most important question in claims AI is not whether a model performs well on average. It is what happens when it does not.

3

Governance Infrastructure Is Key for Agentic AI

Agentic AI's rapid deployment in underwriting and claims is outpacing the governance infrastructure insurers need.

4

Lessons from Palisades, Eaton Wildfire Recovery

Unlike traditional property claims, wildfire losses function as multi-year community rebuilding projects governed by regulatory complexity and shared constraints.

5

Insurers Need Real-Time Data Capabilities

The difference between catching fraud before payment and spending weeks recovering funds typically comes down to whether data is handled in real time or in batches.

6

ITL Recommends

Platform Modernization in Insurance: Why Now Is the Time to Accelerate

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Blue Backdrop

Adaptability Is the Key for Insurers

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Insurance Thought Leadership

ITL Partner: Majesco

Title Text: An Interview with Denise Garth and Manish Shah

The Forrester Wave™: Insurance Agency Management Systems, Q4 2025

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ITL Partner: Zywave

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From Documents to Decisions: Why Claims Needs a New Operating Model

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Insurance Thought Leadership

interview

The Road Map for Embedded Insurance

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Insurance Thought Leadership

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Insurance Hiring Practices Hamper Transformation (Part 1)

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Systemic Coverage Gaps for Small Contractors

By

Sarah Mendoza-Reid

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Data Standards Key for Insurance M&A

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