by AnshumanD | May 7, 2026 | Insurance
For most insurers, the data problem is not a shortage of data. It is a surplus of the wrong kind: policy records in a system built fifteen years ago, claims histories in a warehouse that cannot be queried in real time, telematics feeds that nobody has figured out how...
by sagarp4412@gmail.com | Apr 30, 2026 | Insurance
From Leaky to Bulletproof: How Data Foundations Close the Profitability Gap$63B in industry gains. A 92.9% combined ratio. And yet many mid-market carriers are still explaining margin erosion to their boards. If your results don’t match the headline, the problem...
by sagarp4412@gmail.com | Apr 28, 2026 | Insurance
I. Executive Summary: The Underwriting Analytics ChallengeIn 1693, Edmond Halley built the first life tables from raw demographic data, creating the foundation of actuarial science as we know it today. Now, the insurance industry is on the threshold of a similar...
by AnshumanD | Apr 22, 2026 | Insurance
Executive SummaryThe U.S. property and casualty insurance industry enters 2026 with a surface-level paradox. According to AM Best’s February 2026 Market Segment Report, the U.S. P&C industry produced its strongest performance of the past decade in 2025, with...
by AnshumanD | Apr 22, 2026 | Insurance
The rate cycle that defined US personal and commercial lines from 2022 through 2024 accomplished something important: it restored pricing adequacy after years of inadequate premiums relative to rising claims costs. But it also extracted a steep customer cost....
by AnshumanD | Apr 22, 2026 | Insurance
Executive SummaryThe U.S. P&C insurance industry achieved its strongest performance in a decade during 2025, with net underwriting income nearly tripling year-on-year to $60.9 billion and the combined ratio improving to 92.9%. (Source: AM Best) Yet beneath these...
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