Life & Health

Most Recent

itl future of risk

Top Emerging Risks for Life and Health (Re)insurers

By

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.

People on a Video Call

Cyber Insurance Holds Ground Despite Rising Threats

By

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

Close Up Shot of Handshake from Above

Insurers Must Rebuild Trust in 2026

By

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

Overhead Shot of a Person Riding a Bike Near People

Strong Growth for Life-Annuity Forecast Through 2027

By

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

An artists illustration of AI

Group Health Insurers Must Integrate AI

By

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

A Person Wearing Blue Medical Gloves

Transparent Health Reinsurance to the Rescue

By

Hugh Carter Donahue

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

A Man in White and Black Stripe Shirt Wearing Black Headphones

This Is Not How Insurance Should Be Sold

By

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

Two Test Tubes

Lab Stewardship Can Cut Healthcare Costs

By

Lab stewardship programs can align the array of stakeholders involved in healthcare and lower costs.

Editor's Picks

A glass office building against a blue sky

Lemonade's 'Synthetic Agent' Nonsense

By

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

Close-up image of a car's side mirror showing a reflection of the road and mountains and blue sky behind it alongside an image in the foreground

Auto Insurance in an Existential Crisis

By

Stephen Applebaum

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

A long bridge in front of a large body of water on a foggy day

The Promise of Continuous Underwriting

By

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

Low angle photo of an architectural building in black and white

Convergence and the Insurance Ecosystem

By

Stephen Applebaum

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

Six Things

wavy lines

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

By

Blue Backdrop

Adaptability Is the Key for Insurers

By

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

By

ITL Partner: Zywave

Article Title Graphic

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

By

Insurance Thought Leadership

interview

The Road Map for Embedded Insurance

By

Insurance Thought Leadership

future of risk header

Systemic Coverage Gaps for Small Contractors

By

Sarah Mendoza-Reid

Construction worker in PPE hammering indoors on a renovation site.

Data Standards Key for Insurance M&A

By

Detailed view of stock market charts and data on a monitor, showcasing market trends.

Agentic AI Transforms E&S Policy Binding

By