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The New Look for Life Insurance

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Insurance Thought Leadership

Hyper-personalization is revolutionizing life insurance as carriers tailor applications, products and pricing to individual customer and agent preferences.

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Top Emerging Risks for Life and Health (Re)insurers

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Insurance Thought Leadership

(Re)insurers must watch out for AI-related risks, geoeconomic confrontation, unsettled regulatory and legal environments, technological acceleration, and global inflation shocks.

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Cyber Insurance Holds Ground Despite Rising Threats

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Despite escalating cyber incidents, insurance policies remain stable as industry emphasis moves from availability to understanding coverage.

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Insurers Must Rebuild Trust in 2026

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As premiums surge and AI transforms operations, insurers must prioritize transparent communication to rebuild eroding customer trust.

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Strong Growth for Life-Annuity Forecast Through 2027

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Strong earnings forecast through 2027 gives life-annuity insurers opportunity to adapt strategy, not just enjoy conditions.

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Group Health Insurers Must Integrate AI

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Group health insurers using siloed AI tools miss opportunities that connected solutions across policy lifecycles could provide.

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Transparent Health Reinsurance to the Rescue

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Hugh Carter Donahue

The government shutdown crisis spotlights transparent health reinsurance as an emerging, nonpartisan solution aligning corporate and consumer interests.

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This Is Not How Insurance Should Be Sold

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Final expense call centers prioritize speed over service, creating predatory practices that target vulnerable senior populations.

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.

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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.

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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.

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Governance Infrastructure Is Key for Agentic AI

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

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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.

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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.

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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

By

Insurance Thought Leadership

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The Road Map for Embedded Insurance

By

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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