AM Best Audio

Senior Associate Editor Renee Kiriluk-Hill discusses her BestWire story explaining Farmers’ plans to add new agency owners to its ranks, some for their new high net worth “Elite Owner Program.”

Susan Ghalili, SVP and chief underwriting officer at Pacific Life, explains how insights from the 2026 Underwriting Outlook Survey show insurers embracing AI as a powerful tool to enhance efficiency and decision-making while emphasizing that human expertise remains essential to maintaining trust, credibility, and sound risk assessment.

A new Best's Special Report discussed by AM Best Associate Director Jason Hopper finds the 2025 net income for U.S. life/annuity industry rose to the highest level in the past five years.

Lynn O’Leary, president of Intact Insurance Specialty Solutions, explains that in 2026, business leaders should strengthen their short-term risk awareness and long-term resilience.

Sr. Associate Editor Steve Hallo reports the National Association of Insurance Commissioners is requiring insurers to submit detailed homeowners data from 2018–2025 to assess affordability, carrier strength, and the impact of rising climate and litigation-driven costs.

AM Best Senior Director Wai Tang and Director Matthew Tuite discuss a new Best's Special Report that finds that the ILS market is expected to grow in 2026, albeit slower than 2025.

Michael Barrett, principal/agent, Trusted Choice board member, Vermont national director for the Independent Insurance Agents & Brokers of America, discusses how few Americans review their insurance annually, leaving coverage gaps and opportunities for agents to engage clients proactively.

Helen Andersen, industry research analyst, discusses two new Best's Special Reports that find upgrades and downgrades both declined for the P/C segment in 2025, while life and health insurers saw an increase in upgrades but not downgrades.

Joseph Roethel, director, AM Best, discusses two Best's Special Reports that found no catastrophe-driven P/C impairments following three years of elevated storm losses, while recent health impairments include a number of troubled affiliates.

Ben Diaz-Clegg, associate director, analytics, AM Best, discusses a Best's Special Report that finds the stability of macroeconomic conditions through 2024 and 2025, in addition to generally robust levels of profitability in many segments, underpinned the strengthening of key balance sheet strength fundamentals.

Jason Ragsdale, AVP risk management technical specialization at Nationwide, discusses a company survey revealing while more than 90% of commercial property owners are confident in their buildings’ structural integrity, fewer than 40% feel fully protected against severe weather, highlighting a gap between awareness and preparedness.

David Blades, associate director, AM Best, discusses a new Best's Special Report that finds muted insured catastrophe losses during the second half of 2025 significantly benefitted net underwriting income for the year.

Hollie Campe-Astridge, assistant vice president in the Sports & Recreation Department at Philadelphia Insurance Cos., said health and wellness trends are continuing to support demand for outdoor experiences.

David Bock, associate vice president, head of Midwest and West Public D&O for Nationwide’s commercial liability team, discusses how micro- and small-cap public companies differ from larger public companies in risk profile, claims activity and governance structure.

Brian Botkin, chief underwriting officer at MSIG USA, said that the company’s growth has come through a very disciplined underwriting approach and a build-out of its specialty underwriting capabilities.

Majesco Chief Strategy Officer Denise Garth, who is regarded as one of the most influential executives in insurance, has built expertise with leveraging both the analytical and creative sides of her brain for her role at the insurance software developer and also when she guides startups.

Jennifer Kostyrna, director of product management, identity solutions at LexisNexis Risk Solutions, explains how generative AI is rapidly transforming the identity risk landscape for personal lines insurers, enabling more sophisticated and scalable fraud across the policy life cycle.

Senior Associate Editor Steve Hallo discusses his BestWire story detailing how The Centers for Medicare and Medicaid Services intends to suspend enrollment in Elevance Health Inc.’s Medicare Advantage Part D over persistent noncompliance with risk-adjustment data reporting rules.

AM Best Director David Blades and Senior Industry Research Analyst Chris Graham discuss a new Best's Commentary that finds by year-end 2025, the D&O liability market appeared to be moving toward more modest downward premium adjustments, on average.

Enforcing the use of secure photo technology and maintaining "a human in the loop" are among the strategies proving to be effective at deterring claims fraud, said Dustin Lemick, CEO, BriteCo.

  In his book “Guardians of Uncertainty: The Making of Influential Risk Managers in the Modern World,” Ernest Legrand, co-founder and chief product officer, MAPTYCS, discusses how risk-focused leaders navigate uncertainty to drive resilience and long-term strategic value.

BestWire Senior Associate Editor Terrence Dopp discusses his recent article explaining how life insurers are seeing paid family and medical leave insurance as a growth opportunity as more U.S. states begin mandating coverage. 

Montclair State University Assistant Professor Abena Owusu discusses her co-authored study on how insurers can use machine learning to improve risk culture and oversight.

Christopher Westfall discusses how his podcast, Risky Science, brings together researchers, investors and insurers to unpack the science, data, and real-world impact of risk models that shape markets, public policy and emerging threats.

Senior Associate Editor Renee Kiriluk-Hill discusses her recent BestWire story highlighting how Florida’s largest personal auto insurers are cutting rates and issuing dividends to policyholders, driven by improved underwriting results, changing driving patterns, and landmark tort reform that has helped stabilize the market.