Insurers Face Longer Settlement Cycles and Widening AI Gap in 2026
Insurers enter 2026 with longer settlement cycles, rising volumes, and slow AI adoption, increasing costs and operational risk, AutoRek finds
Insurance
Insurance is a way to manage your risk. When you buy insurance, you purchase protection against unexpected financial losses. The insurance company pays you or someone you choose if something bad happens to you. If you have no insurance and an accident happens, you may be responsible for all related costs.
Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.
Global Insurance M&A Steadies as Strategy Replaces Deal Frenzy
Global insurance M&A stabilised, as insurers and brokers took a more strategic approach to acquisitions amid falling interest rates and a realignment of strategic priorities
U.S. Life Insurers Improve as Capital Strength Holds. Fitch Ratings’ Prism scores
U.S. life insurers posted modest Prism score gains, with resilient capital strength despite rising annuity volumes and investment risk pressures
Raising Deductibles vs. Employer-Sponsored Reimbursements: Weighing the Pros and Cons
Health insurance is an integral part of employee benefits packages in the United States. However, any employer federally required to provide this compensation could admit that their costs can be burdensome
The 3 Best Interpreting Solutions for Insurance Claims Processing
How insurers reduce insurance claims delays, compliance risk, and disputes with phone, video, and document translation support
US Insurance Sector Outlook 2026: Returns, Risk & Reform
US insurance sector outlook for 2025-2026: capital strength, social inflation risks, P&C returns peak, Florida reforms, life insurance resilience and alt capital trends
Winter Storm Fern Insured Losses Seen at $4–7 bn, No P&C Insurer Downgrades
Fitch estimates Winter Storm Fern insured losses at $4-7 bn. Losses hit earnings, not capital, with P&C insurers absorbing most claims and no rating downgrades
2025 Atlantic Hurricane Season Shows Intensity Risk Despite no US Landfalls
The 2025 Atlantic season had no US hurricane landfalls yet delivered Category 5 storms, inland flooding, and losses, highlighting rising intensity and protection gaps
Geopolitics Drives Higher US Litigation and D&O Insurance Risks
As companies reshore and expand US operations to offset tariffs, Allianz warns boards face rising litigation, class action costs and heightened D&O liability risks
US P&C Insurers Set Decade-Low Combined Ratio Despite Wildfires
Triple-I and Milliman forecast the US P&C industry’s lowest net combined ratio in more than 10 years for 2025, helped by a quiet hurricane season
How Global Insurance and Finance Drive Innovation through Smart Regulation
How insurers use AI, parametric models and data to close the global protection gap, support climate finance, and strengthen resilience amid regulatory fragmentation
US Life Insurers Face Rising Investment Risks: 2026 Outlook
Life insurers keep stable portfolios in 2026, but rising private credit, PLRs, FABNs, and less-liquid assets lift investment risk and regulatory scrutiny
2026 U.S. Property and Casualty Insurance Outlook
Fitch Ratings expects U.S. P&C insurers to post resilient results in 2026, with softer profitability, stable capital, and rising legal and claims pressure
Global Insurance Premium Growth Slowing in 2026 and 2027
Global non-life and life insurance premium growth to stay modest through 2026-2027, with higher bond yields offsetting earnings pressure
2026 Outlook for U.S. Health Insurance Sector
Fitch Ratings warns U.S. health insurers face a tougher 2026 as medical costs rise, ACA subsidies expire, and policy uncertainty weighs on margins
Top 10 Tips for Selecting Safe Cars and Insurance for Teens
Teen drivers face crash rates nearly 4x higher than adults. Safer vehicle choices and smart insurance decisions can lower risk and costs for families
Why Millennials Buying Life Insurance? Top Reasons
Life insurance costs and concerns for millennials plus types of insurance most important to young people. 26% of millennials had trouble affording their insurance
U.S. Commercial Insurance Lines Stay Profitable Despite Uneven Performance
AM Best keeps a stable outlook for commercial lines, citing strong results, rising investment income and tech-driven underwriting amid stress in liability and auto
Climate Disasters Expose Huge Protection Gap as Insurance Remains Underused
Hurricane Melissa and Asian floods show insurance’s role in adaptation, yet coverage is scarce. Philanthropy, bundling and aggregation could shift that
Global P&C Insurance Pricing Decline as Market Shifts Toward Softer Cycles
P&C insurance prices are falling in Europe and the US, with the UK and Ireland easing completely, claims pressure is rising, and France continues to tighten
How Small Businesses in California Can Provide Health Insurance to Employees
Providing health insurance in California is becoming a competitive necessity for attracting and retaining top talent, particularly in industries such as technology, finance, cyber
7 Reasons Why You Need Uninsured Motorist Coverage
Many drivers carry little or no insurance. Uninsured motorist coverage protects you financially when they cause a crash
US E&S Property Insurance Market Heats Up as Capacity Surges & Rates Soften
The US E&S property insurance market keeps getting louder. Capacity jumps, competition spikes, and brokers suddenly hold more options than they can use
Wall Street’s Insurance Takeover Raises Fresh Alarms over Hidden Risks
Private equity’s grip on US insurers deepens risk concerns as assets shift into opaque credit, offshore deals and affiliated investments
Rising Insurance Gaps Alarm Wealthy Clients with Cyber, NatCat, Lawsuit Risks
Wealthy clients think about market swings, insurance gap, global instability, cyber intrusions, extreme weather, and the financial fallout of lawsuits, often all at once
European Life Insurers Push Beyond Spreadsheets with Advanced ALM & SBML
European life insurers replace static SAA spreadsheets with advanced ALM tech to manage risk, capital, and yield under Solvency II and Solvency UK
Japan’s Non-Life Insurance in 2025 Gains Strength Through Reform
Japan’s non-life insurance market — a global top-10 player and one of the largest in the region — as it continues to evolve through disciplined underwriting
US Health Insurance Outlook Revised to Negative
AM Best shifts U.S. health insurance outlook to Negative, citing higher utilization, medical inflation, GLP-1 drug costs, and shifting Medicaid risk pools
EV vs Gas Car Insurance in Canada – Costs, Provinces, and Key Factors
EV drivers in Canada pay $3,131 vs $2,289 for gas cars. See provincial averages, repair cost drivers, and why EV insurance is projected to hit $507 bn by 2033
Germany’s Property and Casualty Insurance Sector in 2025 Turns Stable
Moody’s and AM Best raised Germany’s P&C insurance outlook to stable, citing stronger underwriting profitability, higher premiums, and balanced market conditions
How Ukraine is Rewriting the Rules of Insurance Risk
Ukraine’s insurers adopt best estimate reserving under NBU rules, replacing premium-based models to boost transparency, curb fraud, and attract EU capital
European Insurers Seek Higher Returns From Illiquid Private Credit Assets
Fitch survey shows European insurers turning to private credit for illiquidity premiums, diversification, and ESG goals, as market grows to $2.7tn by 2029
Global Employer Medical Plan Costs Will Climb Worldwide in 2026
Aon forecasts employer medical plan costs will climb 9.8% worldwide in 2026, with North America and APAC seeing increases, while Europe trends lower
U.S. Insurance Brokers Chase Bigger M&A Deals as Growth Cools
Insurance brokers push debt-financed acquisitions amid slowing growth, Fitch warns credit risks rise but strong cash flow keeps leverage tolerable
Q3 2025 Insurance Stock Performance: Top Gainers and Sector Trends
Insurance stocks fell in Q3 while the S&P 500 gained nearly 7%. P&C names lagged, with analysts calling the quarter underwhelming after 2024’s strong run
US Congress Standoff Threatens $1.3 tn Federal Flood Insurance Program
Flood insurance coverage worth $1.3 tn sits on the edge of expiring, marked as the deadline. Congress hasn’t agreed on an extension
Marine Insurance Faces Soft Cycle, War Volatility, and Shifting Global Trade
Marine insurers warn of soft pricing, major losses, and fragmented trade as geopolitical conflicts reshape shipping and supply chains
Global Re/Insurance Sector Growth: 3 Strategic Shifts for Re/Insurers
Re/insurance industry is showing strong momentum. Fund and Insure domain as the big opportunity—potentially generating $17 tn in gross value by 2035
Canadian Life Insurance Market: H1 2025 Results
Canadian individual life insurance new annualized premium grew 5% year-over-year to C$532 mn in the second quarter 2025
Global Property and Casualty Insurance Market Doubled over 20 Years
Global property and casualty insurance market has doubled over the last two decades, reaching $2.4tn, according to Swiss Re Institute
Motor Vehicle Tort Cases: A Comparison of Federal & State Court Rulings
Discover how motor vehicle tort cases added $42.8 bn in excess litigation costs in 2014–2024. Triple-I highlights rising case volumes and the impact on insurance costs
Reimagining FNOL: How AI Agents Speed Up the First Step in Insurance Claims
The first notice of loss (FNOL) is the starting point for every insurance claim. It sets the tone for the entire claims cycle. And for years, this process has been manual
US Hurricanes Since 2015: Economic Impact, Insured Losses & Risk Analysis
Explore major US hurricanes since 2015, their economic and insured losses, and how storms reshape insurance, risk modeling, and disaster resilience
US P&C Insurance in 2025: Maintaining Profits Amid Volatility Risks
The U.S. property and casualty (P&C) insurance sector is projected to remain profitable through 2026, driven by strong performance in private auto underwriting
Innovation, Capital, and the Future of Insurance & InsurTech
Insurance intersects with nearly every sector: infrastructure, logistics, health, environmental risk, and beyond
How Digital Twins Can Help Insurance Industry? Use Cases
As a way to visualize and contextualize data from physical and virtual assets, they bridge physical operations and digital capabilities
UK Motor Insurers Expand EV Insurance Offerings Amid Shifting Risk Models
Motor insurers are ramping up their presence in the UK’s electric vehicle (EV) segment as battery electric vehicles (BEVs) continue to capture a growing share of new car registrations
How Countries Combat Russia’s “Shadow Fleet” with Insurance Inspections
Norway launches a 6-month pilot urging tankers in its EEZ to disclose insurance, targeting shadow fleet risks and aligning with regional maritime safety efforts
Proactive Insurance Claims Management. Trends in America, Europe, EMEA, Asia, LatAm
Dynamic trends are influencing the size and complexity of claims around the world. Proactive claims management can help organizations recover swiftly after a loss event and manage potential claims exposures.
Global Natural Catastrophe Insured Losses Review. New Trends in H1 2025
Global insured losses from natural catastrophes reach $80 bn in the first half of 2025. This is almost double the 10-year average and more than half of the $150 bn
US Auto Insurance Rates by States in 2026 (April)
US Auto insurance rate for full coverage car insurance is $2,637 and $682 for min coverage, but how much you’ll pay depends largely on where you live
U.S. Life Insurance & Annuity Sales in H1 2025. Market Trends
Total U.S. annuity sales were $223 bn in H1 2025, 3% above prior year results, according to preliminary results from LIMRA’s U.S. Individual Annuity Sales Survey
Most Severe Natural Disasters in H1 2025. Regional Overview
Worldwide, natural disasters caused overall losses of around $131 bn in the first half of 2025 (previous year, adjusted for inflation: $155 bn), of which $80bn was insured (in 2024: $64 bn)
California Approves First Wildfire Risk Model for Insurance Pricing
The California Department of Insurance (CDI) has finalized its review of the state’s first approved wildfire catastrophe model
U.S. Private Flood Insurance Market Grows as Underinsurance Gap Narrows
US private flood insurance market is expanding, addressing the nation’s substantial gap between economic and insured losses from flood events
2026 European Insurance Market Outlook: TOP Risks for Re/Insurers
Most European life and non-life insurers report solid margins. However, life insurers must deliver attractive products while managing rising reinvestment rates, unrealized losses
U.S. Health Insurers Face Revenue Pressure as Medicaid Enrollment Declines
U.S. health insurers administering state Medicaid coverage will encounter revenue pressure from OBBBA. New work requirements could increase acuity in the Medicaid pool
U.S. P&C Insurance Outlook Mixed in 2025: Personal Auto, Home & General Liability Insurance
U.S. P&C insurance industry entered 2025 with a mixed underwriting outlook, according to the Insurance Economics and Underwriting Projections
Impact of US Tariffs on the Global Insurance & World’s Largest Insurance Markets
Global premium growth is slowing in both life and non-life insurance. After strong growth of 5.2% in 2024, premiums are forecast to grow just 2% in 2025, improving slightly to 2.3% in 2026
Rising Home Insurance Premiums and Uneven Recovery After California Wildfires
Six months after wind-driven wildfires killed 30 people and destroyed thousands of homes and businesses in and around Los Angeles, the scenes in Altadena and Pacific Palisades remain severe
US private flood insurance market is expanding, addressing the nation’s substantial gap between economic and insured losses from flood events
Inland areas are increasingly vulnerable to flooding from both tropical storms and severe convective storms, yet the number of homeowners who purchase flood insurance
The rise in U.S. homeowners insurance costs have been driven by a combination of increasing natural catastrophe losses and extraordinary inflation
$1.2 bn in lightning-related homeowners insurance claims were paid to more than 70,000 policyholders in the U.S., with $194 mn attributed to Texas alone