Underwriting & Pricing
Your Rating Rules Survived the Migration. Did Your Prices?
Two systems can hold exactly the same pricing rules and still charge different premiums. That sounds like it should not be possible. It happens because pricing is not only a set of rules; it is a set ...
Viewpoint: The ‘Unbundled’ Insurer Emerges in Age of AI as Value Chain Fragments
A roofing contractor in Florida buys a general liability policy. Between him and the capital that stands behind the policy sits a supply chain: a retail agent, a wholesale broker, an underwriter, a ...
Finding Safer Ground: How Parcel-Level Data Is Redefining Wildfire Risk in California
The Golden State has experienced significant insurance-market disruption in recent years, with some carriers reducing exposure or limiting new business in portions of the state. Many insurers ...
Resolve, Triage, and Enrich: What Makes the First Mile of Intake Work
Insurance teams are continuously trying to reduce friction at intake. Prefill and enrichment are workhorses in that effort. Prefill populates fields, standardizes entries, and removes busywork that ...
Viewpoint: Global Reinsurance Pricing to Remain Under Pressure Through 2027
S&P Global Ratings maintains a stable view of the global reinsurance sector. Reinsurers entered the 2026 hurricane season from a position of strength, supported by record-high capital adequacy ...
Examining Trust: It’s Not All About the Lawyers
According to a recent Wall Street Journal analysis, personal auto insurance policyholders have a "near-flip-of-a-coin" chance of being paid on liability claims and medical claims. Ouch. Just about a ...
Underwriting’s Next Job: Governance Steward
A decade ago, when an underwriter entered an incorrect number or misread a file, the damage was contained to one policy. One person, one mistake, one fix. Today, a single flaw in a model's logic or a ...
Who Gets Credit for Successful Renewal During Soft Re Market?
One theme that has come up repeatedly in conversations with reinsurance brokers recently is that achieving a good renewal outcome is no longer always enough to demonstrate value. That would have ...