Life & Health

Administrative delays for prior authorization undermine infusion therapy's proven benefits for managing chronic diseases.

Overlapping ADA and premises liability risks create coverage gaps that brokers must address with clients.

The sandwich generation's dual caregiving burden creates substantial insurance opportunities while exposing critical coverage gaps nationwide.

Life insurers face declining relevance among under-40 consumers, who demand living benefits over traditional death coverage.

Life insurers can replace generic quotes with AI-powered personalized proposals that address individual customer circumstances and needs.

Millions face 75% ACA premium increases when enhanced subsidies expire, yet only 7% are aware of the looming crisis.

Despite industry innovation focus, the biggest growth opportunity lies in improving long-term care conversations.

Rising stop-loss costs and the transparency advantages of self-funded arrangements are creating a fundamental shift in how smart employers approach healthcare benefits.