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Carriers gain ground when treating personalization as a structural shift instead of a simple feature enhancement.

A salaried job with health benefits has long been considered the gold standard of employment in the U.S. But now, as sharply rising healthcare premiums eat into workers' pay, young, healthy professionals are rejecting employer-sponsored insurance. Instead, they're going without coverage or finding cheaper options, saying they can't afford to be on the company plan.

The insurance industry's research organization added 10 more states to the first four in its Wildfire Prepared Home designation program. About 35% of U.S. homes in high wildfire risk areas are not yet eligible.

The goal is to improve risk management and expand access to more customers in markets that better data now makes possible.

Alongside a bill that gives homeowners a year of forbearance after state-declared emergencies, lawmakers will consider extending wildfire-related moratoriums.

U.S. life insurers have shifted more of their general account risk to entities abroad than in the U.S. as of year-end, the first time that offshore reinsurance hubs have overtaken domestic ones for that business.

As insurers modernize their products and operations, delivery capability is becoming a key differentiator.

It's the third year convective storm losses have exceeded $50 billion, according to the report, Severe Convective Storms: State of the Risk from The Insurance Information Institute.

AI is making fraud more sophisticated and harder to detect.

Experts on insurance information and actuarial modeling say AV risk assessments have to be made with incomplete data, making it more difficult to price coverage accurately.