Explore life insurance fundamentals, including actuarial risk, premium factors, term vs permanent policies, and AI-driven underwriting innovations transforming the U.S. insurance market.

A leading U.S. insurance company reports modest premium growth amid increased claims and regulatory pressures, highlighting market challenges and strategic responses.

Travelers reports strong Q2 2025 results with improved underwriting discipline, premium growth, and strategic capital deployment, poised to outperform peers in the U.S. insurance market.

Guidewire includes AI-powered risk assessment startup nettle in Insurtech Vanguards program to enhance commercial underwriting efficiency and address talent shortages in P&C insurance.

Travelers Companies exceeded Q2 earnings expectations, driven by strong underwriting, lower catastrophe losses, and higher investment income in property and casualty insurance.

Honeycomb Insurance launches new Chicago headquarters to support growth and advance AI-powered property insurance solutions for residential real estate and multifamily properties.

US personal lines insurance premiums increased by 4.6% in Q2 2025 due to inflation, claims costs, and weather-related risks, with higher hikes for high-value homes and autos.

The U.S. insurance industry is set for robust growth in 2025 fueled by better pricing, catastrophe-driven renewals, and technology investments. Sector outperforms broader markets as companies focus on underwriting, premium hikes, and operational efficiency.

Florida's property insurance market shows rising premiums driven by construction and reinsurance costs despite stable policy counts following litigation reform legislation.

Fitch Ratings reports improved underwriting profitability in US personal lines for 2024, fueled by claims severity moderation, steady frequency, and premium rate hikes. Insights into market performance and trends.