AM Best Audio

Aaron Hillebrandt, principal and consulting actuary, Pinnacle Actuarial Resources, said diversification of risk is important—and a great strategy.

In his book, Claims-Made Insurance: The Policy That Changed the Industry, Fisher Consulting President Frederick Fisher explores the intricacies of claims-made policies, offering a comprehensive guide to their evolution, components and challenges.

John Lopes, executive vice president, Nationwide Alternative Ventures and Emerging Markets, said that given the size and scope of the company, Nationwide is one of the most diversified carriers in the U.S.

Wai Tang, senior director, and Matt Tuite, director, both of AM Best, discuss a new Best's Special Report that finds ILS capacity reached a record high in 2024, as did issuance of 144A natural catastrophe bonds.

Suzanne Williams-Charles, CEO of Bermuda International Long-Term Insurers and Reinsurers, discusses how the island is balancing robust regulation with innovation in life and annuity markets.

While cyber is becoming more of an operational risk, increased severity trends and emerging technologies such as AI are raising concerns, said Ziad Kubursi, head of Financial & Executive Liability, Hartford Financial.

Justin Hakes, senior vice president of public affairs, National Association of Mutual Insurance Companies, discusses the success of the Insurance Uncovered podcast, its role in delivering key industry insights, and how it keeps members informed on pressing insurance issues.

Rapid premium rate increases, coupled with pockets of higher reinsurance pricing, also expands the need for higher capital, said Jason Hopper, associate director, AM Best, discussing a new Best's Special Report.

AM Best Director Edward Kohlberg highlights a new Best's Market Segment Report that determines that economic conditions, regulatory frameworks and engaging products will reshape the future of the Life/Annuity market.

David Meinen, CIO at SIAA, discusses how artificial intelligence, predictive analytics, and high-quality data are revolutionizing independent insurance agencies, enabling them to enhance customer relationships, improve underwriting, and drive business growth in an increasingly competitive market.

With over 14,000 YouTube subscribers and 21,000 LinkedIn connections, Prasath Parthiban, host of the PNC Insurance Helpline, is on a mission to make insurance concepts accessible by empowering small business owners, newcomers, and industry professionals alike through short, insightful, and non-monetized videos.

Paul Giliberto, head of management liability, private non-profit, Zurich Insurance, discusses the evolving private directors and officers insurance market, highlighting increased competition, the impact of M&A slowdowns and emerging risks such as rising bankruptcies and interest rate pressures. Giliberto spoke with AM Best TV at the PLUS D&O Symposium in New York City.

Justin Baker, AVP of life insurance, LexisNexis Risk Solutions, discusses how the industry is leveraging electronic health records and real-time health insights to enhance underwriting, improve risk assessment, and expand access to coverage.

AM Best Senior Director Jacqalene Lentz outlines a new Best's Market Segment Report that finds despite weather-related catastrophe losses, overall P/C underwriting results improved in 2024, and AM Best expects the industry to build on its solid rebound in 2025.

Franklin Manchester, global insurance strategic advisor at SAS Institute explais how insurance leaders face a growing ethical responsibility to close the global protection gap — leveraging AI, data, and technology to build resilient communities while overcoming trust barriers and adapting to climate-driven risks.

AM Best Industry Analyst Helen Andersen discusses two new Best's Special Reports on property/casualty and life/health 2024 rating trends.

Marc Adee, CEO, Crum & Forster, chronicles the company's two centuries of history, from insuring New York City buildings to delivering diverse risk solutions.

Sam Melamed, CEO of NCD, discusses the evolving landscape of standalone dental insurance, exploring how shifting regulations, consumer preferences, and Medicare and ACA dynamics are influencing market opportunities and challenges.

Joseph Zazzera, director, and Jon Housel, senior financial analyst, both of AM Best, discuss a new Best's Market Segment Report that finds capitalization and liquidity remain strong, but the segment faces several earnings headwinds.

Brad Medd, chief technology officer, Zinnia, discusses how rising annuity sales are driving the need for digital transformation, pushing insurers to embrace real-time technology for a smooth customer-centric experience.

Bob Frady, co-founder of PropertyLens, discusses how infrastructure spending, data analytics, and insurtech startups are transforming risk modeling, enabling insurers to move from broad-stroke rating to hyper-local assessments.

Robert Hartwig, University of South Carolina, discussed how tariff expansion could impact the insurance industry: from rising costs to supply chain disruptions; and offers strategies to address these challenges.

Nationwide risk management leader Mark McGhiey discusses the results of a survey that finds 50% of mid-market businesses struggle with economic uncertainty, supply-chain constraints and regulatory changes, highlighting gaps in preparedness.

AM Best Associate Director Jason Hopper outlines a new Best's Special Report that finds about a dozen US L/A companies ceded business to sidecars at year-end 2023, tripling since 2021.

Bonnie Guth, head of government affairs at Munich Re, and Stef Zielezienski, chief legal officer, APCIA discuss a new survey by their two organizations highlighting growing consumer concerns over excessive lawyer advertising, nuclear jury awards, and hidden third-party litigation funding—factors that experts say are driving up insurance costs and the price of everyday goods.