Half Salary Goes to Kidnap Insurance in Risky Job
Company offered ₹80 lakh LPA but... ₹40 lakh is for getting kidnapped IIM Calcutta had a placement interview on its campus An African company offered its students a job with CTC ₹80 lakh LPA But the breakdown of the package was like we had never seen before ₹40 lakh will be the actual salary ₹40 lakh is kidnapping insurance... If an employee gets kidnapped in a risky region, then only will it be paid.. Kidnapping insurance was included because the job was in a risky region..
AI Empowers Insurers to Overcome Three Key Challenges
"AI in insurance" could help incumbents tackle the 3 challenges they currently face ! → https://t.co/5EXeV0tivQ This is how I would summarize Earnix's yearly conference which recently took place in Paris. https://t.co/zwFUlTSP26
Prepare Now: 2026 Hormuz Shock Will Upend Budgets
We‘ve Only Just Begun in the words of Carol Carpenter. This is a long game. Risk managers need to be preparing their boards now for a traumatic 2026. Ditch your budget from 2025 and your growth targets. Run a strategy...
2027 Rate Notice Beats Forecast, Boosts Medicare Advantage
1/ The Final 2027 Rate Notice will be welcome news for those battered Medicare advantage stocks The Final notice comes in at 239bps better than the Advance notice (when asked recently, I hazarded it would be 150-200bps better) let's revisit this string...
AI Safety Will Curb Crashes; Convenience Drives Driverless Adoption
Hopefully never. AI active safety features should hopefully make it nearly impossible for humans to crash while driving manually too. Convenience and saving on insurance, not a dystopian ban on driving, will be the incentive to move to a fully...
Mines Threat Alone Can Paralyze Hormuz Shipping
A few mines—or just the threat—is enough to close Hormuz Ships stop. Insurers pull back. Flows collapse. Clearing takes weeks to months. That’s the strategy: disruption without closure. #IranWar #OilMarkets #EnergyCrisis #Hormuz #Geopolitics #SupplyChains https://t.co/DlAEMOcmJF
Future Insurers Must Enable Data Sharing for Benefits
"the ability to design value propositions that provide policyholders with the opportunity to share verified data and obtain incredible benefits [...] this is a necessary capability for the insurer of the future" https://t.co/6oZzp5NvPm @jeffroth77 @GalenDShaffer @JimMarous @FGraillot @nigelwalsh @SpirosMargaris @jblefevre60 @robgalb @RonnoArnold @hedgequote @Nick_Lamparelli @antgrasso @hugues_bertin @globaliqx @psb_dc @an_battista
Beware: $1B Company Fraud Signals Wider Insurance Scams
If it looks/sounds too good to be true, it often is. The $1BLN company was running rampant fraud and I suspect that's just the tip of the iceberg. Watch out for possible insurance/billing fraud.
Insurers and AI Firms Secretly Record Therapy to Cut Costs
Yes, health insurer and Silicon Valley owned AI companies are taping therapy sessions and using that data. It's a creepy situation driven by health insurers not wanting to pay for mental health care. https://t.co/zLyh5fcdvr
US Missed Early War‑risk Coverage; Strait Security Remains Lacking
Okay, this is 5 weeks too late. The US should have had war risk coverage in place on Day 1 when the issue was the lack of sufficient money in the pot. Ships have already obtained war risk through commercial means. The issue...
Vasectomy Coverage Lags Behind Female Contraception Under ACA
“Despite being one of the safest and most cost-effective permanent contraceptive methods, vasectomy is not guaranteed no-cost coverage under the Affordable Care Act’s preventive services mandate in the same way female contraception is.” Dominick Shattuck digs into vasectomy coverage (an...
U.S. Boosts Hormuz Insurance to $40B to Attract Ships
U.S. Doubles Hormuz Insurance Backstop to $40B in Hopes of Luring Ships Back. War risk—physical vs financial. Who has used this program? https://t.co/uliGuwjTgu
First Ships Navigate Hormuz, Redefining Global Shipping Risks
Controlled Passage: First Ships Edge Through Hormuz as Crisis Redefines Global Shipping. Iran vs UNCLOS. Shipping cost and war risk insurance vs value of cargo. Supply chain chaos. Supply shortages and impact—macro and micro. https://t.co/NYGVyblHEB
Frontier Insurers Must Close Present $9T Protection Gap
667+ InsurTech ventures. 18 countries. $10.8 billion in funding. That is what the #SilkRoad insurance corridor looks like today. I spent last week in Istanbul at the first Silk Road Insurance Forum, mapping this ecosystem, delivering a keynote on the #agenticfrontier, and...
AI Legal Battles, Hidden Risks, and 500k Weekly Rides
I've just released my weekly wrap-up. 1️⃣ An insurer sues ChatGPT over claim management support 2️⃣ Shadow AI threatens corporates 3️⃣ Over 500,000 self-driving rides per week ! 👉 https://t.co/2hL1HBtQHT — fgtrends
Insurance Unlocks Better Risk‑Adjusted Yields in DeFi
Lots of chatter on insurance pricing recently given Resolv and Drift. Keep in mind than many of the yield opportunities in DeFi are very poor on a risk adjusted basis, and most DeFi participants aren't great at understanding risk. There are good...
LA Wildfire Survivors Cite Insurance Woes in Rebuilding
The most constant complaint I've heard from LA wildfire survivors struggling to rebuild has been about problems with their insurance
Roadzen Poised to Lead $250B AI Insurance Market
I saw this great map by @sequoia looking at the AI services opportunity. Insurance brokerage + claims adjusting: $250B - the largest category on the map. imo no other company has built the scale (licenses across 14 countries as a broker,...
Massive KitKat Heist Highlights Freight Fraud Vulnerabilities
Cargo Thieves Make a Break with 413,793 KitKat Bars — And What It Says About Freight Fraud - https://t.co/K2QyxvQbCv @Nestle #KitKat #freightfraud #cargotheft #trucking #supplychain #logistics #riskmanagement
Big Funding Elevates Established InsurTech Startups to Leadership
InsurTech leaders are emerging ! → https://t.co/Mi6qREt2U8 This reflects the largest rounds announced recently, which happened to come from startups on the market for a while. https://t.co/WSCHzLUKG4
Epic CEO Promises to Solve Insurance Challenge
Epic CEO Tim Sweeney addressed this over the weekend, saying Epic would work out the insurance challenge. https://t.co/cN28vZnbMN
Market Prices Known Risks, Misses Hidden Threats
Widely discussed risks are often priced in. The real threats tend to be overlooked. #RiskManagement #MarketInsight https://t.co/PWgmCJwWDp
Shipping Self‑insures Hormuz Risk via P&I Clubs
"Insurance companies won't write Hormuz policies" is complicated by the fact that a lot of underwriting for the ship is actually written by mutual associations (P&I Clubs) As companies they are "buying insurance" but as an industry the shipping sector is...
Taxpayer-Backed Loans Inflate Healthcare Costs, Bankrupt Patients
The point is that we spend taxpayer money to guarantee or fund loans that don’t matter a fraction as much as paying for your health. Most people can’t afford their deductible. We should guarantee the amounts patients can’t afford...
Insurers and Reinsurers Over‑leveraged, Not Subprime‑style
Insurers and reinsurers are 30x+ leveraged. If your conclusion is "leverage is nothing like with subprime" then you are missing the point. Completely.
Insurers' AI Denials Delay Life‑saving Cancer Care
The mother of an angiosarcoma patient reached out this weekend to see if I could help her daughter get a second opinion at Dana-Farber after it was rejected by her insurer. I'll do what I can. Dana-Farber has made a...
Robot Drivers Are Nine Times Safer than Humans
Tesla's FSD autopilot: 5.3 million miles between accidents. US human driving average: 660,000 miles between accidents. The robot drivers are 9x safer than humans. And it's only getting better. How long before it will be too expensive to insure human drivers because they are...
Insurers Worry Transformers, Contractor Errors Spark BESS Fires
Why BESS insurers are sweating transformers and contractor errors over battery fires #energysky -- via pv magazine global: https://t.co/qk5y3I0eVO
Clarify Terms, Payment, and Liability Before Consigning Art
Questions to answer before you consign art: Length of the term. How and when you get paid for sales. Party responsible for packing, shipping, handling, installing, etc. Party liable for loss, damage, theft. Party responsible for insuring the art. Insurance...
Credit Score Affects Home Insurance Like Disaster Risk
Your credit has as much of an impact on your homeowners insurance premium as whether or not you live in a disaster-prone area. https://t.co/PQ2K1kvGSE
Global Risk Concentrates in Few Nations, Demands Selective Exposure
Global risk isn’t evenly distributed. In 2026, a small group of countries - including Belarus, Lebanon, Sudan, and Venezuela - sit at the top of the global risk ranking, with premiums around 30.9%. At the other end, only 19 countries globally have risk levels below...
Questioning Anti‑Tiering Clauses: Policy Recommendations Still Relevant
is there any rationale for allowing anti-tiering, anti steering, and "all or nothing" clauses in hospital contracts with insurers? Barring these was one of the centerpieces of our healthcare competition policy recommendations almost a decade ago https://t.co/8PPf8H5iMw
Lagos Secures $7.5M Flood Insurance for Vulnerable Residents
Lagos, Nigeria’s commercial hub, has secured a $7.5 million flood insurance policy so some of its poorest residents can access relief when disaster strikes https://t.co/7NhRHv6Ors
Deposit Insurance Expansion Misses Small Business Reality
Expanded deposit insurance for noninterest bearing accounts helps small businesses? What small business keeps over $250k in a zero yield account? If this is how banks think they are going to preserve deposits, the logic needs to be reexamined.
Questioning FDIC Expansion; Call for Data-Indexed System
With the floodgates open for industrial bank charters & private equity & crypto owned banks, I’m extremely suspect on why there’s such a drive to dramatically increase FDIC insurance in zero interest yield deposits. A data driven, indexed system is...
ACA's Bans and Tax Rules Kill Portable Individual Plans
And, the ACA banned individual guaranteed renewable plans which existed, and protected against the emergence of preexisting conditions. The tax deduction for employer based group plans, but not for contributions to portable individual plans nails the coffin. Great essay.
AI Agents Become Profit Drivers, Demand New Accountability
Agentic AI is starting to change something fundamental in financial services: who actually drives profit and loss. We are moving beyond models that inform decisions. AI agents are beginning to price risk, approve loans, detect fraud, handle claims, and manage...
Minnesota Moves to Regulate E‑Motos, Not E‑Bikes
E-moto "bikes" may be regulated in Minnesota soon. A new bill defines what an e-moto is and then requires licensing and insurance; sets an age limit of 15 and above; restricts where they can operate; requires a driver's license; and...
Shepherd Secures $42M to Accelerate AI‑Driven Construction Insurance
Congrats to the @withshepherd team on their $42M Series B! They're rebuilding commercial construction insurance for the AI era. When a broker submits an account, Shepherd delivers an indication in minutes—not weeks. 1,500+ policies issued, $400B in insured value, 600+ commercial...
Fertifa Bridges Gaps in Employer Health Benefits
PMI offers a strong foundation, but rarely, if ever(?), has 100% enrolment Even for those who do enrol/opt-in, life stage health matters are too often excluded either due to being categorised as "normal aging", chronic health, pre-existing conditions or otoh...
Governance Fuels AI Adoption and Climate Resilience
We are standing at the intersection of profound digital disruption and escalating physical risk. Last year, secondary climate perils drove a record 92% of global insured natural catastrophe losses. The physical world is demanding as much transformation as the digital one. The...
Direct Medicare Advantage Enrollment Sparks ACO Competition Debate
Great review of the idea of potential enrollment right into Medicare Advantage (though doesn’t consider Chris’ added twist of competition between Traditional Medicare ACOs and MA) https://t.co/rcquVZ8zxn it would be fun to compete head-head (but would need level playing field)
Trump Health Chief Proposes Automatic Medicare Advantage Enrollment
Automatic enrollment in Medicare Advantage plans under consideration, top Trump health official says https://t.co/Bgv6WBeo2u via @statnews
Fintech Must Prioritize Precision Over Speed in Emerging Markets
Fintech strategies that work in developed markets often break in emerging ones. Volatile currencies, fragmented identity systems and shifting regulations force a completely different level of precision in how products are built and operated. What looks like speed in one market...
Policy Failures, Not Private Firms, Drive California's Insurance Crisis
California's property insurance problems are very similar to its housing problems -- an obvious consequence of bad public policy shrinking supply, and yet the private sector is often blamed for it. There is no "easy button" to solving complex problems decades...
One in Ten ACA Holders Lose Coverage as Premiums Surge
This won't show up in any market data, but it's a profound hollowing-out and weakening of America. "Nearly one in 10 people who had Affordable Care Act plans last year dropped health insurance altogether, after premium costs rose sharply" https://t.co/LfNP8wRTD1
HaloMD, a Texas Duo, Dominates No‑Surprises Arbitration
A new company you've probably never heard of is dominating the No Surprises Act's arbitration process. Behind HaloMD is a larger-than-life Texas couple who built their wealth on questionable arrangements with out-of-network providers. https://t.co/p1jCEZFBaA via @statnews
California's Insurance Could Vanish Within a Decade
It's wild to think that insurance as we know it today might not existing in California in 10 years, and yet it remains a somewhat fringe policy area. https://t.co/LA9JJ0AORm
US Home Insurance Premiums Set to Rise Again in 2026
US home insurance premiums are set to rise for a fifth straight year in 2026 and other stories in today’s Green Daily newsletter https://t.co/sBscWF0Bfq
Beazley Acquires kWh Analytics to Boost Renewable Underwriting
Beazley to acquire kWh Analytics to expand renewable underwriting #energysky -- via pv magazine global: https://t.co/wCWG390fQB