Podcasts about insurers

The No Surprises Act was designed to protect patients from unexpected medical bills, but nearly four years after the law took effect, many experts say parts of its implementation aren't working as intended. Insurers, hospitals, physician groups and federal regulators continue to battle over the law's payment dispute process, raising questions about whether one of the nation's most significant health care consumer protection laws is achieving its goals.In this special live episode of Tradeoffs, host Dan Gorenstein moderates a conversation with three leading experts on surprise medical billing, health insurance regulation and federal health policy. They explain how the No Surprises Act was implemented, how litigation has shaped the arbitration process, why providers have won a disproportionate share of payment disputes and what policymakers could do to improve the law.Guests:Zack Cooper, Associate Professor of Public Health and of Economics, Yale University; Director of Health Policy, Tobin Center for Economic Policy; Director, Health Care Affordability Lab at YaleBenjamin Chartock, Assistant Professor of Economics, Bentley UniversityLindsey Murtagh, Senior Fellow in Health Services, Policy and Practice, Brown University School of Public HealthRachel Werner, Executive Director, Leonard Davis Institute of Health Economics; Professor of Medicine, Perelman School of Medicine, University of PennsylvaniaLearn more: Read the full reporting and explore additional resources on our website.Want more Tradeoffs? Join more than 5,500 readers who trust Tradeoffs for clear, deeply reported health policy insights. Sign up for our free weekly newsletter.Tradeoffs helps you cut through the noise with clear, deeply reported journalism on the forces driving health care's toughest choices — reporting you won't find anywhere else. If our work helps you stay informed, support it with a donation today. Hosted on Acast. See acast.com/privacy for more information.

The ASX 200 showed solid gains to finish up 49 points at 8,653. Once again, it was the tale of two cities, with the best of times and the worst of times. The banks held steady, with CBA down 0.2%, and WBC doing well, up 2.0%. Insurers also pushed higher, led by QBE up 2.4%, and even ASX up 0.6%, with the Big Bank Basket at $266.54. Elsewhere, industrials were once again stronger, with defensive stocks taking the bull by the horns. WES rose 4.3%, TLS rose 2.0%, and both the supermarket stocks WOW and COL did very well, building on recent gains in the healthcare space. CSL was also strong as it looks to have turned the corner, up 3.5%, with SHL also firm, although SIG fell 5.5% on the back of media speculation that it was looking at buying the Boots chemist chain in the UK. REITs were positive, with GMG up 1.6%, CHC up 1.8%, and other industrials faring okay. Retail also had a good bounce, with JBH up 3.5% and ALL up 2.2%. Technology stocks were still very much in the doghouse, with XRO down 2.0%, TNE down 2.3%, and NXT down 4.1%. Utilities firmed in this environment, and the All-Tech Index fell 1.8%.Meanwhile, resources were once again on the nose, with BHP up 0.2%, and RIO and FMG also falling as iron ore came under pressure. Lithium stocks fell, PLS down 1.7%, and LTR falling a big 8.0%, with MIN also suffering heavy losses. The gold sector was also slammed again as the gold price fell out of bed, with NST down 3.5%, EVN falling 5.0%, and RMS also having a bad day, down 3.8%. Over in the energy space, Woodside slipped slightly, and Santos pushed ahead somewhat, with coal stocks under pressure, WHC down 4.4%, and uranium stocks still on the nose.In corporate news, SDF rose 36.2% after receiving a $6.00 non-binding indicative offer. IGO fell hard after a fire broke out at the Chemical Grade Plant 3 facility at Greenbushes. WES had a good investor day reaction, saying it would drive growth through AI and data monetisation. Citi downgraded banks following the budget changes. In economic news, the ANZ-Roy Morgan consumer confidence rose for the second consecutive week, lifting two points to 70.8.Asian markets weaker. Japan down 1.9% Hong Kong down 0.9%, and China down 1.1%. South Korea falls again.US futures: Dow down 78 and Nasdaq down 132. Oil down 1.5%. Europe opening easier. Marcus Today – Daily Market Insights Marcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise. If you'd like to go further: Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcast Join Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offer MT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcast Principles – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast — Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice. 

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews François Beaume about the AMRAE 2026 RMIS Panorama available now and about the RISKWORLD 2026 session that François presented. Justin and François discuss ESG functional coverage. They discuss how François uses AI daily. They discuss the continuing increase in RMIS users, moving RIMS out of the niche tool category into an enterprise governance platform. They discuss the 2026 RMIS Panorama findings, the Panorama database, and how you can access it. Listen for insight into the 2026 RMIS Panorama and how your organization compares.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We are delighted to welcome back to RIMScast AMRAE President François Beaume. He's here to discuss the findings of the 2026 AMRAE RMIS Panorama. We'll talk all about emerging trends. But first… [:48] RIMS Virtual Workshops. The next RIMS-CRMP-FED Exam Prep with AFERM will be held on June 16th and 17th. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Links to registration are in this episode's notes. [1:06] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [1:27] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. We want to hear from you. Submit a session proposal by June 19th to reach engaged practitioners, innovators, and leaders looking for guidance they can utilize right away. [1:45] Help define what's next for Enterprise Risk Management. Submit a session proposal by Friday, June 19th. A link is in this episode's show notes. [1:53] Folks, through the generosity of industry partners, RIMS has launched The Foundation for Risk Management™, which provides scholarships for early-career professionals to attend RIMS events like the RIMS Texas Regional Conference, RIMS Canada Conference, and RISKWORLD. [2:11] The Foundation also helps beneficiaries earn their RIMS-CRMP and fund research projects. To learn more or contribute to the Foundation, visit RIMS.org/FRM and visit the link in this episode's show notes. [2:27] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:46] On with the Show! Our guest today is making his third appearance here on RIMScast. He is the Senior Vice President for Risks and Insurance at Sonepar, and he is the President of AMRAE, the Association for the Management of Risks and Insurance in Enterprises. [3:04] François Beaume is here to discuss the 2026 RMIS Panorama, published by AMRAE, in partnership with EY. Panorama is free and publicly available. [3:14] Panorama provides an in-depth look at the organizations and professionals who are using risk management information systems, how well they've adapted, and guidance for those seeking their first or newest framework. It's always great to speak with him. Let's get to it! [3:28] Interview! François Beaume, Welcome Back to RIMScast! [3:36] François has been Chairman at AMRAE for a year and will be for two more years. Because of his role at AMRAE, Justin wanted to have him on the show to speak about this year's RMIS Panorama. [4:04] Justin mentions a difference between last year's RMIS Panorama and this year's RMIS Panorama. Last year, AI felt like an emerging capability. This year's report shows a 20-point jump in planned or actual AI integration and an 8-point increase in functional coverage. [4:19] At the same time, people aren't always happy with AI. The satisfaction part is still a little bit behind. Justin asks, Are we entering a phase where expectations are outpacing execution? [4:32] François says, Yes, probably. AI has moved faster in CEOs' and leaders' minds than in the organization. Everyone wants the data, governance, and skills. Educating the workforce users takes time. The ambition was there, but the "plumbing" is catching up. [5:11] François says that is what is being reflected in the 2026 RMIS Panorama's deep dive on AI. [5:29] François says he uses AI all day long for various things. As a risk manager, he uses it to increase his efficiency and daily productivity. He thinks that is quite common. He says it's also what we need for faster and better analysis. [6:00] Daily analysis from an AI engine using trusted sources is much faster than manual analysis. Now he has the time to tighten it, understand it, and complement it. [6:44] SONEPAR is using it for their benefit and to better spread risk management principles throughout the organization through Helpdesk or Chatbot, allowing people who are less skilled in risk management or insurance to ask questions through the tools to get support. [7:05] Those tools answer almost 90% of the questions. The remaining questions go to the Risk Management team because they are in a gray area. SONEPAR is using AI more and more and is entering a phase where they are looking at automating some risk management processes. [7:33] François says he is looking at automating business partner assessments, a cumbersome and complex process that the Risk Management team is doing with multiple tools. [7:49] Now, they are trying to streamline it, still with humans making the decisions, based on an AI data set that will be faster and easier to produce and much more reliable. [8:24] Justin says one of the more surprising findings in the RMIS Panorama is that ESG Functional Coverage dropped by 15 points this year. François explains why he thinks this is the case. It's not ESG fatigue, but it's in the way companies are approaching ESG. [9:22] François says a lot of ESG features are moved out of risk management information systems into dedicated tools and sometimes into dedicated teams. In the beginning, some ESG features were encapsulated in Risk Management systems. [9:39] François says it's less and less the case, at least in the tools that are sold in Europe. In the U.S., it could be more mixed. Separating ESG from Risk Management is more linked to maturity and topical evolution, rather than fatigue or a decrease in the importance of ESG. [10:06] Justin says the report also suggests that functional coverage overall has stabilized, which Justin asks if that indicates a mature market. François speaks of maturity and breaks down the RMIS Panorama, made from three surveys: Vendors, Risk Managers, and Insurers. [10:43] Maturity is reflected by a mix of these studies. Almost 250 Risk Managers from 36 countries took the survey. They want smarter features, better insight, better connections, and better decisions. They want the tools RMIS is using to be part of the group's way of functioning. [11:27] François says this is not yet the case. The tools are a bit apart and not fully connected with the CRM and other tools. François says they are starting to change. The risk managers using these tools are expecting change to come in the next few years. [11:52] Justin asks if it's easier today for a startup to build from the ground up with their Risk Management Information System embedded in their processes, or for an established organization. François says today it's easier for both, but big groups are more complex. [12:39] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The 2026 Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [12:57] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [13:08] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [13:18] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [13:35] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are already open. Advance registration will open on June 10th. [13:50] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [14:04] The RIMS ERM Conference 2026 will be held on November 18th and 19th in Columbus, Ohio. The deadline for educational content submissions is Friday, June 19th. Get submissions in now. The link is in this episode's show notes. Registration opens in July. [14:27] Let's Return to Our Interview with François Beaume! [14:36] François Beaume presented at RISKWORLD 2026. You can check out the materials from his presentation on RIMS.org/ASC. You will have had to have registered for or attended RISKWORLD 2026 to check it out. We're here to continue the dialog. [15:12] François feels his session went well. There were 50 to 55 people gathered there to listen and take notes. For François, it was pleasant to do. [16:00] François says you have a feeling when you are connecting with an audience. You can see that they are following you, and the message is passing from you to them. [16:51] François says, If you are losing your audience, you can try to use humor. Sometimes you succeed. He tells of a session in a noisy room, where everybody, including himself, was provided with a helmet, to listen to like a podcast. He could not feel if they were getting the message or not. [17:47] When presenting, you try to hold the attention of the room. Justin says that sometimes he locks eyes with somebody who's listening and then talks to that person and hopes that others will pick up on that energy. [18:18] Justin says risk management is not the easiest topic to make exciting. You have to figure out ways to jazz it up a little bit. [18:31] François says if you are convinced that the topic is interesting, that conviction, at a certain point, will pass through the mic and go to the room. If you are not convinced, the public will feel it. Justin says, If you are not excited to present, the audience will not be captivated. [18:58] François notes that he is French and speaks English like a Frenchman, so he has to manage that. His message may not be phrased as the audience expects. The way an American would phrase it is not the way I am using it. Justin stresses listening better to different accents. [19:58] Justin says François is a very good presenter, and the RISKWORLD audience seemed engaged in his message. Justin says if one person walks away with something actionable, it was worthwhile. François says, "Mission accomplished!" [20:23] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period is now open, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [20:43] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [20:58] General Grant applications are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [21:09] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [21:17] The Spencer 2026 Funding Their Future Gala will be held on Thursday, September 17th, from 6:30 to 10:00 p.m. at a different venue this year. It will be at the fabulous Waldorf Astoria in New York City. [21:32] Sponsorship opportunities and benefits are available now. A link to the Funding Their Future Gala is in this episode's show notes. [21:40] Next week's guest is the Funding Their Future Gala Honoree, Marya Propis! More Spencer celebrities and board members will be making appearances on RIMScast this summer, as well. [21:53] Let's Conclude Our Interview with François Beaume! [22:09] Justin says the Panorama notes an increase in organizations with more than 200 RMIS users. Does that signal that RMIS is becoming an enterprise-wide infrastructure, or is it still a niche tool for risk teams? [22:26] François says that this is really positive. A Risk Management Information System is not a niche risk tool anymore. It's becoming part of the company infrastructure. [22:44] Once you have hundreds of users, expectations explode, the momentum is there, and user patience drops. As the tool starts to become more massive and interconnected with other tools, you have to manage expectations. The scope of usage of these tools is widening. [23:16] You have not only niche risk usage, but you also have risk management, internal control, insurance, compliance, etc., that are managed inside the tool. The tool reaches all areas of development. The momentum is self-generating. [24:15] François says executive involvement in RMIS usage is positive. Executives want clarity from dashboards. They want to know what matters, why it matters, and what we can do next. They want the deep insight of the tool. They may not go into the tool, but will use the dashboard. [25:10] François speaks of the progress of the techniques of Risk Management Information Systems. Data mining, SaaS contracts, and AI usage have contributed to making RMIS easier to deploy, connect, and access in order to load data, analyze data, and extract data. [26:08] Now is a time of wider usage of Risk Management Information Systems; once they have been adopted, they are there for life, and then you have to make them evolve. [26:21] This means that we have more discussions inside the corporations on RMIS evolutions and replacement. Are we able to make it evolve on its own, or is it time to change? If yes, what kind of process can I depend on to contemplate and manage that change? [26:56] This is executive level. You have created expectations. You have provided dashboards and KPIs, and you have to manage the production. Once it's done, you need a different momentum to run the production and make it better and more accurate over time. It's not easy. [27:40] With their partner EY, AMRAE is finalizing the deployment of the 2026 Panorama Sessions. The French translation will be released by mid-June, and explanation sessions will be run with vendors, risk managers, insurers, and brokers. [28:05] François says AMRAE is already working on the 2027 Panorama, which will be ready for the next RISKWORLD session in New Orleans. [28:27] If someone wants to participate in the Panorama, they need to contact AMRAE. Risk managers will be contacted by the risk management association of the country where they operate. If you are a vendor, you can contact AMRAE. AMRAE contacts insurers and brokers. [29:35] Justin says if you wish to participate, reach out. Go through your risk association where you have membership, like RIMS, FIRMA, or IFRIMA. The confidential information collected helps educate the global risk community. This Panorama is very important for us. [30:08] François says that inside the Panorama, all the contact details are available. As part of the panel, you have access to an online data form. The Panorama has a PDF version, a snapshot of what's in the database. The full database is accessible to anyone. [30:27] François says that as a risk manager or a vendor, you can run your own analysis by filtering and sorting the Panorama database. [30:45] Justin says that's the nice thing about it: AMRAE has made it complimentary and is broadening the horizons of the global risk community by doing so. [30:57] Justin says, I do miss recording with you in person. So, next year, hopefully we get a chance to see each other and have some Cajun food, put the mic up, and eat some jambalaya and talk. It will be great. I want to thank you again, and you're welcome back any time. [31:17] Special thanks again to François Beaume for joining us here on RIMScast! We look forward to seeing him at a future RIMS event. You can visit AMRAE.fr to access the free and publicly available RMIS Panorama 2026. [31:34] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [32:03] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [32:21] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [32:39] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [32:55] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [33:09] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [33:21] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Session Submission Deadline: Friday, June 19 RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Registration Opens June 10 RIMScast on YouTube! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute | Look for the Awards Edition in "Digital Issues"! RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RISKWORLD 2026 Presentations Available via Attendee Service Center — www.RIMS.org/Asc - and via the RIMS Events App RMIS Panorama: https://www.amrae.fr/bibliotheque-de-amrae/2026-rmis-panorama Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | July 21‒22, 2026 RIMS-CRMP-FED Exam Prep with AFERM | June 16‒17, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "Strategy and Change with Ward Ching and Aaron Olson" "Live from RISKWORLD 2026!" "The Evolving Role of the Risk Analyst" "AI and the Future of Risk with Dan Chuparkoff" "Live from RISKWORLD 2025" "AI Risks and Compliance with Chris Maguire"   Sponsored RIMScast Episodes: "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" (New!) | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL 'Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: François Beaume, SVP Risks and Insurance, Sonepar President of AMRAE   Production and engineering provided by Podfly.

The ASX 200 finished the week on a sour note as the index fell 61 points to 8621 (-0.7%), ending the week down 1.2%. Banks were ugly today after Morgan Stanley downgraded the sector outlook. The Big Bank Basket fell to $266.42 (1.5%), with CBA off 1.7% and WBC sliding 1.2%. Other financials held up better, with MQG unchanged, ASX up 1.5% and ZIP rising 1.7%. Insurers also found some friends again. REITs were better too, with CHC up 1.1% and SGP rising 1.1%. Industrials pushed higher, with WES up 0.4%, while WOW and COL also performed well. Retailers were mixed, with JBH up 1.0% and APE drifting lower. Healthcare stocks were back from the ICU. CSL had its biggest one-day rise since 2022, up 5.8% as the rotation into the sector gathered pace. Even RMD enjoyed a very positive session, gaining 4.3%. PME rose 4.0% and COH added 5.6%.In the tech space, MP1 soared 15.2% after its capital raising, with Citi upgrading its price target by 41%. The All-Tech Index rose 0.7%, with CPU also trading higher.Resources, however, remained in a world of pain as profit-taking continued in BHP and RIO, with FMG down 2.3%. Rare earths and critical minerals stocks also unwound as the AI trade ran out of steam and copper prices fell. LYC dropped 2.9%, MIN fell 5.1% and SFR lost 1.2%. Gold miners drifted lower once again, with NST down 2.5% and NEM off 1.2%. Energy stocks were weaker, with WDS falling 1.3% and STO down 0.6%, while coal stocks slipped and uranium stocks found some nervous support.In corporate news, NHF rose 2.5% on the sale of an insurance business. RSG fell hard following its production report, while AGI rallied 16.8% after two directors resigned.Asian markets mixed. Japan down 1.0%, Hong Kong down 1.0%, and China down 0.7%. South Korea eases back around 1.6%US futures: Dow up 8 and Nasdaq down 280. Oil unchanged. NFP tonight.Marcus Today – Daily Market Insights Marcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise. If you'd like to go further: Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcast Join Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offer MT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcast Principles – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast — Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice. 

Karen Terry, corporate vice president, head of insurance research, LIMRA, discusses 2026's strong start in the U.S. individual life insurance market, with a 10% rise in first-quarter sales driven by demand, distribution growth and underwriting.

At RIMS RISKWORLD 2026 Philadelphia, Tim Nunziata of Nationwide talks about how rising litigation, biometric data collection, AI-powered cyber threats, and evolving privacy regulations are reshaping claims risk … Read More » The post AI, Biometrics & Data Privacy: The Emerging Claims Risks Insurers Can't Ignore appeared first on Insurance Journal TV.

The ASX 200 fell 100 points to close at 8686 _1.1%), with losses across the board. Banks held up better, with CBA down 0.6%, and WBC the worst of the bunch, down 1.7%, with MQG also falling 1.1%. The Big Bank Basket dropped to $270.46 (-1.8%). Insurers were better as bond yields rose, with QBE up 1.2% and the rest of the financials losing ground. Tech stocks were struggling today, with XRO falling back to earth by 4.2% and the All-Tech Index falling 1.4% as profit-taking moved in after the recent bounce. In the industrials, we saw TLS fall 2.9%, although defensive stocks bucked the downtrend, with WOW and COL both positive, along with utilities ORG and APA. Healthcare stocks were showing some signs of life, with RMD finding a bottom, at least temporarily, up 2.6%, and CSL up 0.4%. The real damage, though, today was done in the resource sector, as the iron ore price came under pressure and profit-takers moved into the iron ore stocks, with BHP down 3.3%, RIO down 3.3%, and FMG down 4.1%. Elsewhere in the gold space, we saw selling again in NST, off 6.1%, and EVN falling 3.0%, with lithium and rare earth stocks all under pressure. PLS dropped 4.5%. Big losers today as well were the big winners yesterday in the uranium sector, with PDN falling 8.2% and DYL down 5.2%. The oil and gas space was modestly higher, with both Woodside and Santos rising, together with coal stocks, with WHC rising 3.0%.In corporate news today, PME secured a five-year renewal in the U.S. TWE had a very good day as it presented to investors with no downgrades and some optimistic outlook statements. IPX fell 4.6% after its DFS study for its Critical Minerals project in Tennessee.Nothing significant on the economic front, although we did have some international goods trade data out, showing exports increased 7.2%, driven by metal ores and minerals.Asian markets mixed. Japan down 1.5%, Hong Kong down 1.4%, and China down 0.6%. South Korea eases back around 1.6%US futures: Dow up 26 and Nasdaq down 151. Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Send us Fan MailAmerican hospitals now spend nearly $2 on administrative overhead for every dollar that touches direct patient care. Insurers earn billions in float by sitting on claims for weeks, providers borrow money just to stay liquid, and patients open bills for visits they barely remember.Don Peterson, Founder and CEO of PIM Health, joins host David E. Williams to discuss why healthcare's payment system is working exactly as it was designed to work, and how real-time claims adjudication at the point of care could eliminate prior authorization as it currently exists, cut administrative overhead from 12 to 15 percent down to 2 to 3 percent, and return hundreds of billions of dollars in waste back to patients, providers, and plan sponsors.

Documentation, charting, and insurance narratives are taking time away from patient care, and many teams are already stretched thin. In this episode, Kirk Behrendt sits down with Rushi Ganmukhi, founder of Bola AI and former MIT AI/NLP researcher, and Cassie Tallon, a dental operations leader and author, to explain how voice-enabled AI can reduce clinical documentation burden, improve note quality, and help practices get paid faster. You'll learn where voice tech fits best (perio, restorative charting, and clinical notes), what it changes operationally, and how to identify the friction points in your own workflow. Listen to Episode 1055 of The Best Practices Show!Main Takeaways:Voice technology can reduce the time and disruption of perio charting by allowing hands-free entry during hygiene visits.Faster perio charting supports more comprehensive perio exams, which can improve identification and treatment of periodontal disease.Delayed or incomplete notes can delay insurance submission and cash flow, creating a backlog of unsent claims.Templated, generic notes and late documentation can weaken clinical records for both insurance review and legal defensibility.Insurers are increasingly requiring more documentation, including perio charting for restorative claims, to support medical necessity.Effective adoption of AI tools depends on fast implementation, flexibility in workflows, and customization to an office's documentation preferences.Practices can start by tracking daily workflow “sticking points” for a week and mapping which issues could be reduced with voice-driven documentation.Snippets:00:00 Voice tech as the “hidden power” of AI for practice efficiency.01:00 The documentation burden: perio charts, restorative docs, and insurance narratives.02:10 Rushi's background in AI/NLP and MIT research, and why he entered dentistry.04:35 Why voice tech fits clinical environments better than consumer voice assistants.06:00 Bola AI's early focus on voice perio charting and expansion to notes and restorative charting.07:05 Why integrations with practice management systems matter (Dentrix, Open Dental, Curve, Patterson, Henry Schein).08:00 The time cost of manual charting and its impact on hygiene workflows.10:00 How delays and backdating notes can hold up insurance submission and revenue.11:20 The risks of cut-and-paste templates for insurance and legal documentation.13:00 Insurance requiring more documentation, including perio charting for restorative claims.14:00 Why “decay” alone is not a sufficient clinical reason in a narrative.15:00 How dental-specific logic and terminology improve accuracy over general dictation tools.16:35 What “plug-and-play” adoption should look like in the operatory.18:10 Handling variation across practices (sleep/airway, medical billing, pediatrics, customization).19:00 Current curiosity vs. adoption: workforce shortages and the cash-flow case for AI.22:00 Overview of Bola's three core products: Voice Perio, Voice Restorative, and AI Scribe.26:00 A practical challenge: measure how long perio charting takes and identify workflow friction points.29:00 Final guidance: start small, solve specific problems, and choose tools proven in clinics.30:10 Where to learn more and request a demo (bola.ai).Guest Bio/Guest Resources:Rushi Ganmukhi is the founder of Bola AI and has a professional background in artificial intelligence and natural language processing, including research experience at MIT focused on helping computers understand human speech and language. He leads Bola AI's work applying voice technology to dental workflows, including perio charting, restorative charting, and AI-assisted clinical documentation.Cassie Tallon is a dental operations leader with 20 years of experience spanning multi-doctor practices and DSOs, including supporting growth and operational efficiency across multiple locations. She is an author focused on dental operations and has dedicated her current work to helping dentists improve efficiency, navigate growth decisions, and strengthen systems without adding unnecessary overhead.Resources mentioned in the episode:Bola AI (demos and product information): www.bola.aihttps://smilesource.com/exchangeMore Helpful Links for a Better Practice & a Better Life:The Best Practices Show: https://www.actdental.com/podcast/Best Practices Association: https://www.actdental.com/bpaUpcoming Events & Workshops: https://www.actdental.com/events/Smile Source: https://www.smilesource.com/Subscribe on Apple Podcasts: https://podcasts.apple.comSubscribe on Spotify: https://open.spotify.com

The ASX 200 jumped 61 points after a slow start to 8756, with GDP coming in a little light, giving the RBA room to hold rates. Banks rebounded, with CBA up 1.1% and ANZ doing well, up 1.9%, as the Big Bank Basket rose to $275.51 (+1.1%). Other financials were a little mixed, GQG fell 1.4%, AMP slid 2.0% and HUB fell 0.9%. Insurers were steady as she goes.Industrials firmed in places, with WES down 0.2 %, while WOW and COL did better. Healthcare remains in ICU, with CSL falling another 0.4% and RMD down 0.7%. Tech stocks were under pressure after a great run in recent days, with XRO down 3.5% and WTC falling 2.1%, while the All Tech Basket down 0.7%.Resources, and especially copper stocks, were the stars of the show again. BHP hit new records, up 2.4%, and RIO gained 1.6%. Rare earths got a boost, with LYC up 2.8% and ARU gaining %. Uranium stocks fired up on some Urenco news from the US, with PDN up 11.5% and BOE gaining 7.6% as the shorts ran for cover. STO had a good day too, while WDS was flat.In corporate news, SLC jumped 0.3% on an upgrade to earnings, MP1 entered a trading halt pending a large capital raising, ALD rallied 3.4% on watchdog approvals and INA soared 5.4% on earnings confirmation. TLC lowered guidance and slipped 1.5%. In economic news, GDP came in a little light at 0.3% for the quarter and 2.6% for the year, giving the RBA a good excuse to stay pat.Asian markets mixed. Japan up 2.8%, Hong Kong down 1.7%, and China up 1.6%. South Korea closed for local elections.US futures: Dow down 32 and Nasdaq down 13. Oil up 1.0%. Surprising given the hostilities in the Gulf.Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 19 of Winning Isn't Easy. In this episode, we'll dive into When Expertise Isn't Enough: A Doctor's Disability Journey With Long COVID (With Guest Dr. Zeest Khan).Long COVID has challenged not only medicine, but also the disability insurance system. Insurers often characterize these claims as subjective, difficult to measure, or lacking definitive proof, leaving claimants to navigate a process that can struggle to account for fluctuating symptoms and complex limitations. In this episode, attorney Nancy Cavey speaks with Dr. Zeest Khan, a former anesthesiologist whose own experience with long COVID forced her transition from doctor to patient. They discuss how that perspective reshaped her understanding of chronic illness, the realities of pursuing SSDI and Long-Term Disability benefits, the challenges posed by independent medical exams, and why long COVID continues to expose gaps in the way disability claims are evaluated.Check out Dr. Khan's website here: https://longcovidmd.com/In this episode, we'll cover the following topics:One - From Physician to Patient: Identity, Illness, and a New Path Two - Inside the Disability Maze: LTD, SSDI, and System Gaps Three - Advocacy and Strategy: Navigating Claims with Long COVID Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

The ASX 200 rallied hard off lows to close down 5 pts at 8724 (0.1%). CBA turned around, recovering well, the Big Bank Basket closed at $269.61 (- 0.8%). Insurers slipped, led by QBE off 1.3% and IAG down 2.2%. REITs too were under pressure, GMG off 0.4% and CHC falling 1.0%. Healthcare remains in the kennel, CSL falling another 1.7% with RMD off 2.1% and COH down 4.3%. Industrials slipped a little, BXB down 1.6% and ALQ falling 1.1%. Retail stocks were also on the nose following the minimum pay award update. JBH crumbled 5.4%, NCK down 3.1%. DMP dropped 5.9% on the wage news. Tech stocks were the stars of the show again today, WTC up 7.9% and XRO jumping 7.5%, with the All-Tech Index up 3.9%. REA had a good day, as did CAR.BHP and RIO once again pushed higher on copper exposure, the Big Australian hitting new records, up 1.4%. Gold miners recovered, with NST shooting the lights out as activist shareholder Elliott took a big position and called for change. Uranium stocks eased back again, PDN down 5.9% and DYL falling 5.3%.In corporate news, SRG jumped 16.6% on $1.85bn in new contracts. TEA soared 16.2% on an acquisition, DRO up 3.6% on a new $24.1m contract, and 4DX had a bad day on CT news. NST jumped on calls for change. On the economic front, consumer sentiment rose and the BoP fell as exports eased back. Asian markets mixed. Japan down 0.5%, Hong Kong up 1.8%, and China up 1.3%. US futures: Dow down 172 and Nasdaq down 83. Oil up 1.2%.Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Hélène Schernberg, director of public policy and regulation at the Geneva Association, outlines how rising climate, cyber, and systemic risks are widening the gap between economic and insured losses.

“What's Buggin' You” segment for Friday 5-29-26

Hi, everybody, we are on the last episode of Season 11 and I'm focusing on overdisclosure. There is a lot of discussion in our industry about underdisclosure or non-disclosure, but not a lot of focus is put on the times when people tell insurers too much.It is essential that you answer insurance applications truthfully and to the best of your knowledge, but you don't need to volunteer information that the insurer doesn't ask for. It's one of the reasons why people can be a bit nervous about iGPRs as it does give the insurer a lot more information than they are generally asking for. Insurers are meant to ignore information that is not relevant to the questions that they ask, but that isn't always the case.The key takeaways:The Consumer Insurance (Disclosure and Representations) Act 2012 means that consumers need to be careful to not misrepresent themselves to insurers, but also explicitly states that consumers do not need to volunteer information to insurers that isn't asked forInsurance for commercial customers works differently as they do not have the protection of CIDRA 2012Examples of insurance questions in protection insurance that can lead to both over and underdisclosureDo you have anything that you want me to cover in Season 12? I will be back soon with deep dives into underwriting and industry insights. Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors PlannerX.

The ASX 200 took a dive today, down another 125pts at 8593 (1.4%), as the peace deal in the Gulf is starting to slide away. Banks and gold bore the brunt of the selling, with CBA off 2.1% and WBC down 1.3%, with the Big Bank Basket at $269.32 (-1.9%). Insurers also fell hard, QBE down 2.8% and IAG off 1.6%, with financials generally easier, while ASX continues lower.REITs also fell as bond yields rose, GMG off 1.2% and SCG down 0.8%. Old-school platforms remained under pressure, SEK down 3.9% and REA off 1.1%. Tech fell hard too, XRO off 2.6% and WTC falling 1.6%. The All-Tech Index dropped 1.1%. Healthcare was also under pressure, CSL fell 1.7% and RMD down 1.4%. Supermarkets held up. Industrials slid, BXB down 2.5% and QAN falling 1.5% as oil prices rose.Resources were sold down as bullion fell heavily and gold stocks turned nasty, NEM down 7.5% and EVN off 7.7%. Lithium stocks held up, PLS up 0.3%, while rare earths fell, LYC off 2.5%. Uranium stocks drifted lower, PDN down 1.7%. The big iron ore miners were also under pressure, BHP down 1.2% and RIO falling 2.5%.In corporate news, SDR rallied 8.6% after a new partnership deal. CSL dropped again despite the new CEO topping up his holding. VUL rose 2.3% as its financing package closed. And EOS had a good day, up 4.2% on some new director signings.On the economic front, April household spending collapsed much more sharply than expected, down 1.1% over the month.Asian markets eased. Japan off 0.5%, HK down 1.4% and China off 0.1%.US futures down slightly, Dow down 12 and Nasdaq off 141. European markets set to open around 0.7% lower. Oil up 3% on renewed hostilities.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Edin Imsirovic, director, and Kaitlin Piasecki, industry research analyst, both of AM Best, discuss the results of a recent AM Best survey that evaluates the industry's position on strategy and implementation of artificial intelligence.

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Benjamin Collier, associate professor, risk and insurance, University of Wisconsin-Madison, discusses research he co-authored on Hurricane Harvey, showing how severe climate events strain small businesses and create opportunities for insurers.

The ASX 200 kicked off the week up 35 points to 8692 (0.4%) as optimism on a peace deal washed through. Some scepticism remains, so it was a cautious start to the week. US markets are closed tonight. Banks held firm as NAB rose 1.1% and CBA dropped 0.7%. The Big Bank Basket was steady around $275.42. Insurers slid as yields fell, QBE off 2.1% and MQG lost 1.1%. Other financials were mixed, ASX down 1.2% with HUB up 2.4%. REITs were mixed too, GMG down 0.8% but CHC doing well on an upgrade, up 6.7%. Industrials were mixed, with defensives out of favour. TLS fell 0.9% and REA off 0.3%. WOW and COL steady. Retail rose as bond yields slid, WES up 1.5% and JBH up 1.3%. Tech found its feet, WTC up 0.8% and XRO rising 1.0%, with the All-Tech Index down 0.5%.In resources, RIO and FMG were all up around 1.6% or better. BHP rose 0.6%. Gold miners bounced hard, NST up 5.7% and EVN up 4.2%, with copper stocks also trading higher, SFR up 2.2%. Lithium and rare earths were mildly positive, LYC up 0.7% and MIN rising 2.7%. Oil and gas stocks eased back, WDS down 4.2%, and coal stocks had a great day after issues at one mine in China.In corporate news, QAN announced the London-Sydney non-stop route would be delayed by a year. It rallied 5.8% on oil falls. CHC rallied on another earnings upgrade. BPT fell 1.3% after selling a 60% stake in its Otway Basin project.In economic news, nothing today.Asian markets were better, with Japan up 3.1%, Hong Kong up 0.9%, China up 0.8%, and the Kospi up modestly. US futures were better, with the Dow up 404 and the Nasdaq up 420.  Oil down 5.5% The US and UK are closed today.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

The ASX 200 rallied another 35 points to 8657 (0.4%) ahead of a US long weekend. Up 27 pts for the week. Banks pushed ahead, led by CBA up 0.9 %, and the Big Bank Basket to $275.57 (0.8%). Insurers slid as yields fell, NWL off 1.0% and GQG falling 2.2% as tech boomed. Industrials were mixed, TLS fell 1.5% as a broker downgraded the stock, REA continued lower, off 4.1%, as did CAR off 2.8%, with tech stocks also continuing to be pressured. XRO down 0.9% and WTC falling 1.4%, with the All-Tech Index up 0.4% Utilities were also weaker, ORG off 1.8% and APA falling 0.3%.Resources were generally better, BHP rose 1.1% and RIO up another 1.7%, with S32 doing well, up 5.1% and lithium stocks rising, PLS up 2.9% as gold miners found some bargain hunters. NEM up 0.8% and EVN gaining 3.1%. NST continued to suffer, down 0.6%. Oil and gas mixed. In corporate news, uranium stocks were better, PDN up 5.9% and DYL rising on broker upgrades.In corporate news, ARU entered a trading halt to raise another $350m at 26c. GYG jumped 9.6% as it announced plans to close the US business. APX jumped 9.4% on a trading update. TUA steady as the M1 deal was pronounced DOA. MYX won a small settlement against Cosette for the failed bid.In economic news, the Japanese CPI came in below expectations.Asian markets were better, with Japan up 2.8%, Hong Kong up 1.2%, China up 0.6%, and the Kospi up modestly. US futures were better, with the Dow up 155 and the Nasdaq up 150. European futures are opening around 0.5% lower. Oil up 2.0%. The US and UK are closed Monday.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

The ASX 200 gave up yesterday's gain and more, dropping another 108 points to 8,497 (1.3%) as the rout continues. Resources bore the brunt of the selling as inflation fears stoked higher rates and tore through commodities. BHP fell 2.3% and RIO off 1.5% with gold miners under pressure again, EVN down 4.9% and NEM falling 4.5%. Oil and gas firmed, but uranium stocks eased back, PDN down 4.5%. Lithium stocks found some friends with PLS up 1.9%. Industrials were also weak across the board as TLS fell 1.1% and REA dipped 2.0%. Tech stocks couldn't shrug off the negativity despite good results from CAT and broker upgrades to TNE. Healthcare drifted lower.Banks were hit hard as one broker said conditions were tough, WBC fell 2.4% with ANZ off 2.1% and the Big Bank Basket falling to $269.72 (0.8%). Other financials also under pressure, MQG fell 2.0% and NWL and HUB dropped. Insurers also saw sellers, QBE off 1.0% and IAG down 0.4%. REITs fell as bond yields rose again. GMG down 2.1% and CHC falling 3.3%.In corporate news, WJL tumbled 11.2% after earnings came in worse than expected and guidance was moved down. JHX fell 0.9% after lacklustre results too. EOS tumbled 10.3% as it raised funds at 800c and FLT fell 3.6% after a US$5m US strategic acquisition.On the economic front, total wages and salaries paid by employers rose 1.4% to a record $110.6bn in March. National Australia Bank says weekly consumer spending patterns have stabilised with travel especially weak.Asian markets fell, Japan down 1.6%, Hong Kong down 0.7%, China flat. Kospi down 2.8%.US futures mixed with Dow down 31, Nasdaq up 32. European futures opening around 1% lower. Oil down slightly.Nvidia tonight in the US. European futures opening around 0.6% lower.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Alan Martin: Why Insurers Who Invest in Wellness Win - The Healthcare Innovation Playbook still works In this episode, Sabine VanderLinden sits down with Alan Martin, founder of Resilient Risk and Health Solutions, to challenge the fundamentals of life and health insurance. The conversation highlights a growing disconnect between insurers, customers, and the health tech ecosystem, and why current “wellness” programs often fail to deliver meaningful outcomes. Alan argues that most insurance products remain transactional, focused on payouts rather than prevention and long-term resilience. He introduces the concept of “modifiable risk,” emphasizing that many health risks are within individual control and should be actively managed through continuous engagement rather than static underwriting. The discussion explores how insurers can evolve from passive payers to active health partners by embedding personalized, digital care pathways and leveraging ecosystem collaboration. The episode also tackles systemic issues such as low customer engagement, outdated service delivery models, and the widening protection gap. Alan and Sabine conclude that meaningful transformation requires bold leadership, dynamic pricing models, and a shift toward service-led propositions that genuinely improve health outcomes while creating sustainable economic value for insurers.   KEY TAKEAWAYS What really stood out to me in this conversation is that we are still thinking about insurance in far too narrow a way. We've designed products that only show up when something goes wrong, even though the greatest value we can deliver is helping people stay healthy in the first place. If we reposition insurance as a resilience partner rather than just a financial backstop, we unlock a completely different level of relevance for customers, especially younger generations who expect ongoing value, not just a payout. I'm also struck by how many wellness initiatives miss the mark. Too often, we reward those who are already healthy, while the people who truly need support remain disengaged. If we are serious about impact, we need to design for the harder-to-reach segments and build solutions that genuinely change behavior, not just tick a box. Another key insight is the importance of rethinking how services are delivered. Traditional models, such as nurse hotlines, are costly and underutilized. Digital, personalized care pathways offer a way to scale engagement while improving outcomes and reducing costs. Finally, I believe we need to rethink incentives across the entire system. Concepts like dynamic pricing and modifiable risk are not just technical shifts; they fundamentally reshape the relationship between insurer and customer. When combined with stronger ecosystem collaboration, they create a pathway toward a more proactive, impactful, and sustainable insurance model.   BEST MOMENTS “It is wellness theater dressed up as risk management.” “The best way of protecting the family is to make sure they don't pass away.” “Insurance isn't just a financial product, it should be a product of resilience.” “Diagnosis is not the end point, there is always something you can do to improve health.” “The gap between the insurance we have and the one we need is not a technology problem, it is a courage problem.” “If you want real impact, you have to design for the people who actually need the support.”   ABOUT THE GUEST Alan Martin is a Chartered Insurer and the founder of Resilient Risk and Health Solutions, a consultancy that bridges the gap between insurance and the health tech ecosystem. With over 30 years of experience in life and health reinsurance, Alan has held roles spanning underwriting, claims, pricing, and product development. Throughout his career, he has worked closely with insurers, reinsurers, and health innovators to design solutions that improve health outcomes while delivering sustainable business value. He is particularly known for his work on modifiable risk strategies, helping insurers rethink how they engage with policyholders and manage long-term health risks. Alan brings a rare combination of deep technical insurance expertise and a strong understanding of healthcare and emerging technologies, positioning him at the forefront of the shift from traditional insurance models toward prevention-led, customer-centric propositions.   ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you're interested in sponsoring the podcast, reach out to the team at hello@alchemycrew.ventures

Introduction What if the most dangerous thing about a commercial fleet route could be identified before the truck ever left the yard? The insurance industry has spent decades pricing commercial auto risk using historical loss data and, more recently, real-time telematics. But neither tells you what's waiting around the next bend. The forward-looking layer has never existed. Goetz Weber is a theoretical physicist turned mapping executive turned insurtech founder. After a decade at TomTom and HERE Technologies optimizing routes for time and distance, he asked a different question: why isn't anyone optimizing for risk? RouteRisk.ai is his answer. The company scores every commercial route across sixty-plus variables before dispatch, producing what Weber calls "a FICO score for fleet routes." In this conversation, Josh Hollander and Weber dig into the science behind segment-level route scoring, the insurance market's fourteen-year losing streak on commercial auto, and why giving the technology away for free might be the smartest distribution strategy in fleet insurtech. Guest Bio Goetz Weber holds a PhD in quantum field theory and spent over a decade in the navigation and mapping industry, serving as VP of Innovation at TomTom and previously at HERE Technologies. In those roles, he worked directly with fleet operators, fleet management companies, and logistics platforms. He founded RouteRisk.ai to address a gap he identified firsthand: routing companies optimize for cost, time, and distance, but nobody scores risk. RouteRisk is now Series A funded, integrating with platforms like Samsara, and building its go-to-market for insurance distribution. Key Topics • The missing layer in fleet risk assessment - Historical data looks backward, telematics looks at the present, but nobody scores what's about to happen. RouteRisk fills the forward-looking gap with pre-dispatch route scoring. • Sixty-plus variables in a single route score - Static road geometry, forward weather, traffic predictions, vehicle physics, cargo sensitivity, theft corridors, and incident history, all scored at the segment level and aggregated with interaction effects. • The FICO analogy for fleet routes - A composite risk score that tells dispatchers, fleet operators, and insurers the risk profile of a specific route, at a specific time, for a specific vehicle carrying specific cargo. • Risk appetite as underwriting data - When a fleet operator chooses a route scored at 80 over one scored at 40, that decision is captured. Over time, this builds a behavioral profile of risk appetite that insurers have never had access to. • Free-to-fleet, monetize-through-insurance - RouteRisk gives the scoring tool to fleet operators at no cost (reducing their accidents and insurance leverage) and sells the risk decision data to carriers and reinsurers. • Three paths to insurance market entry - Form a proprietary MGA, partner with existing fleet insurers on incentive-based pricing, or go directly to reinsurers who bear nuclear verdict risk. • Why this isn't the telematics adoption problem - Telematics monitors drivers (creating resistance). RouteRisk scores roads and empowers dispatchers. No cameras, no surveillance, no cost barrier. Notable Quotes "I think of vehicles moving through space as moving through risk fields, dynamic risk fields that come and go, whether it's weather, traffic, road conditions, theft hotspots." "If I show you two routes and one has a risk score of forty and one has a risk score of eighty, and you choose the eighty, I've captured your risk appetite. And that data is gold for an insurer." "If you and I both go to a ski resort, but you do extreme downhill and I do cross-country, technically we should have different insurance programs. Our data reveals which fleet operators are the extreme downhillers and which are the cross-country skiers." "Risk should be visible and manageable before it materializes, not just measured after it has." Resources Guest: • RouteRisk.ai: https://www.routerisk.ai • Goetz Weber on LinkedIn: https://www.linkedin.com/in/goetzweber/ Host: • Joshua R. Hollander on LinkedIn: https://www.linkedin.com/in/joshuarhollander/ • Horton International (USA): https://www.horton-usa.com/ • Insurtech Leadership Podcast (LinkedIn Showcase): https://www.linkedin.com/showcase/insurtech-leadership-show Subscribe & Review If you enjoyed this episode, subscribe on your favorite platform and leave a review. The Insurtech Leadership Podcast is available on YouTube, Apple Podcasts, and Spotify.

A candid Insurance Journal Academy after show explores how poor claims staffing, lack of training, and corporate cost-cutting are driving burnout, litigation, customer frustration, and ultimately higher losses … Read More » The post Why Understaffed Claims Teams Are Costing Insurers More Than They Think | Fred Fisher and Chantal Roberts appeared first on Insurance Journal TV.

United Healthcare, the nation's biggest insurer, announced that it's cutting back on its requirements for prior authorization by 30%. Prior authorization is when your doctor orders a medical procedure, test, or drug, but you can't get it before the insurance company's approval. For insurers, it's a way to cut costs. For doctors and patients, it's a source of massive frustration. Plus, we check in on the state of Iran's wartime economy.

United Healthcare, the nation's biggest insurer, announced that it's cutting back on its requirements for prior authorization by 30%. Prior authorization is when your doctor orders a medical procedure, test, or drug, but you can't get it before the insurance company's approval. For insurers, it's a way to cut costs. For doctors and patients, it's a source of massive frustration. Plus, we check in on the state of Iran's wartime economy.

All Things Sustainable is the official podcast of the inaugural Climate Week Zurich taking place May 4-9, and all week we're bringing you special daily episodes from Zurich. In our third episode of the week, we're talking to Zurich Insurance Chief Sustainability Officer Linda Freiner. Zurich Insurance is one of the world's largest insurers, serving over 82 million customers in more than 200 countries and territories across multiple types of insurance, including property & casualty and life insurance.   Linda explains how the insurance industry is evolving to address climate change. She says climate mitigation and adaptation are both needed to build systemic resilience amid compounding global crises.  "You can no longer look at climate risk on its own, or geopolitical risk on its own, or social risk on its own. They're all interconnected and they're all compounding," Linda says. "As an insurance company, it's our job to help our customers navigate those risks and build the right resilience measures in place to be able to withstand the shocks." This interview is the latest installment in our CSO Insights podcast series, where we talk to Chief Sustainability Officers around the world about how they're navigating the sustainability landscape. Linda says the CSO role has "changed tremendously" in recent years. Now, she says, "it's about the focus on execution. We have set all the big commitments. We have put out the plans."   The All Things Sustainable podcast will be back with more special coverage from Climate Week Zurich throughout the week, so please stay tuned.  Learn more about events S&P Global is hosting during Climate Week Zurich: Climate Week Zurich 2026 : Turning Uncertainty into Opportunity | S&P Global  Listen to all the episodes in our CSO Insights series: CSO Insights by All Things Sustainable - YouTube  Listen to previous episodes of the All Things Sustainable podcast about insurance and climate:  Why all eyes are on insurance in climate risk conversations | S&P Global   Why insurance is becoming central to climate risk conversations | S&P Global  What the LA wildfires show about climate change and the future of insurance | S&P Global  Copyright ©2026 by S&P Global    DISCLAIMER  By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.    Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).     This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.    S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. 

Colombia's total gross written premium (GWP) is projected to reach $8.9 billion this year and grow to over $11.5 billion by 2028, signifying its rise as a significant and expanding insurance market. In this special additional episode of “The Standard Formula,” host Rob Chaplin is joined by colleague Caroline Jaffer explore Colombia's prudential solvency regime, building on their recent episodes focused on Central and Latin America. They examine the regulatory role of the Superintendencia Financiera de Colombia (SFC), Colombia's alignment with international standards through IAIS membership and the country's gradual shift toward a risk-based capital model. Rob and Caroline also discuss progress toward Solvency II adoption, technical reserve requirements and cross-jurisdictional reinsurance rules through the REACOEX registry.

Sweeping geopolitical disruption is making credit and political risk insurance (CPRI) ever more crucial.    CPRI is moving away from being a reactive product, evolving into a structural, balance sheet tool that corporates need to embed into their capital relief, portfolio management, and liquidity strategies.

Episode Info Craig Weber is a thought leader and management consultant with extensive insurance specialization, having worked for a major carrier and then leading an analyst firm. At Cognizant, he leads a team responsible for the firm's insurance strategy and bringing its portfolio of insurance offerings to the market. Episode Overview: AI is at a critical inflection point, poised to profoundly transform the insurance industry. While carriers are at varying stages of adoption, a key challenge is scaling AI from pilots to production. Key Areas of Focus: Data Utilization: AI needs proprietary data to unlock its full potential, necessitating robust data protection strategies. Distribution Enhancement: AI can automate agent administrative tasks, boosting productivity and addressing talent shortages, rather than solely displacing agents. Customer Experience: AI can streamline services, but must be balanced with human empathy, especially for complex issues. Customer comfort with AI is growing, influenced by their insurance knowledge. Future Strategy: A proactive "AI builder strategy" is crucial. Insurers should focus on developing skills and adapting to the rapid, self-reinforcing evolution of AI. AI represents a fundamental shift, not just an efficiency play. Proactive investment and adaptation are essential to navigate this "innovation arms race" and remake the insurance landscape. The conversation concluded by stressing the importance of a collaborative, monitored approach to AI implementation, ensuring it serves to enhance both efficiency and the human element in the insurance claims process. This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Let us know how we're doing - text us feedback or thoughts on episode contentIn this episode, Paul explains why catastrophic weather events are becoming uninsurable: broken risk models, a stressed reinsurance market, rising rebuild costs from inflation and tariffs, and the dangerous concentration of homes and commercial buildings in climate-vulnerable areas. He also explores what cascading climate financial risk looks like in practice.From the insurance death spiral to the wealth destruction of uninsured home loss, this episode connects climate change directly to household finances, mortgage markets, and economic inequality. Follow Paul on LinkedIn.

Host George Jack and the Director of the Academy of Insurance, Patrick Wraight, talk with Dr. Brenda Wells and her students at East Carolina University about the real-world … Read More » The post Peptides, GLP-1s, and Risk: What Insurers Need to Know Now | IJA Aftershow with Brenda Wells and Students appeared first on Insurance Journal TV.

#ThisMorning | Does #Insurers #Investment in #PrivateCredit Raise #Concerns for #Advisors? | Phillip Snyder, CLU, The Warner Companies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

With the state budget still delayed, Gov. Kathy Hochul's controversial auto insurance proposal is one of the major sticking points in negotiations. Streetsblog NYC's Austin Jefferson joins us to discuss the governor's proposal, the lobbying efforts both for & against it, and how negotiations are developing. Last year's state budget included $25 million for abortion provider services across the state. Now, one year later, providers say they have not received those funds. We dive into the issues with distribution and the state's role in the delay. We share a segment from WMHT's Aging Together in NY content focused on the importance of determining end of life care for aging adults.   EXPLORE MORE: nynow.org

1. GUEST: Professor Jim Holmes. Professor Jim Holmes discusses the Strait of Hormuz standoff between the US and Iran. He notes the US advantage due to energy independence while highlighting the role of maritime insurers in the conflict. 12024

OpenAI shares cyber product with government orgs Unauthorized Mythos access, Firebox bugs fixed by Mythos Insurers move to cap LLMjacking cyber payouts Get the show notes here: https://cisoseries.com/cybersecurity-news-new-openai-cyber-product-unauthorized-mythos-access-insurers-to-cap-llmjacking-payouts/ Huge thanks to our sponsor, ThreatLocker ThreatLocker is extending Zero Trust beyond endpoint control. With their recent releaseof Zero Trust Network Access and Zero Trust Cloud Access, access isn't based on credentials alone, it requires the right user, the right device, and the right conditions. Because as we've seen in recent large-scale CRM breaches, stolen credentials and misconfigurations can expose massive amounts of data. With ThreatLocker, nothing is exposed, and access is limited to exactly what's needed. Learn more and start your free trial today at ThreatLocker.com/CISO.

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 14 of Winning Isn't Easy. In this episode, we'll dive into Own Occupation vs. Any Occupation: How Carriers Twist Your Job - and the Law - Against You.What if your disability claim is denied not because you can work - but because the insurer redefined what your job actually is? By shifting your role from specialist to generalist, or from medium duty to sedentary, carriers can deny valid ERISA disability claims while insisting they followed the policy. In ERISA cases, the definition of your occupation often matters more than your diagnosis. Insurers don't just assess disability - they decide what job you're supposedly unable to perform, and that decision is often tilted in their favor. In this episode, we break down how disability carriers misclassify occupations, rely on outdated job descriptions, and use tools like the Dictionary of Occupational Titles to justify denials. We examine how these tactics play out in real claims, why distinctions like light versus medium duty can determine outcomes, and how courts respond when insurers push too far. If you're navigating a disability claim, this episode explains why “own occupation” may not mean what you think - and how that distinction can decide whether benefits are approved or denied.In this episode, we'll cover the following topics:One - Is Your Disability Insurance Carrier or Plan Playing the Misclassification-Of-Occupation Game in Denying Your ERISA Disability Insurance Benefits?Two - In an ERISA Case, Can a Disability Carrier Legally Use the Dictionary of Occupational Titles to Determine Your Occupation?Three - Bench Trial or No Bench Trial in an ERISA Disability CaseWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Moving the conversation on social mobility out of the boardroom and into the mainstream, the Lady Mayor Dame Susan Langley will set out her ambition to connect people with opportunity and “unsquare” the Square Mile: ensuring nobody has to fit in a certain box to thrive in the UK's financial capital. Joined by an expert panel, she'll ask how we can change people's view of the City and break down barriers that might hold people back from fulfilling their potential.  This lecture was recorded by Lady Mayor Alderwoman Dame Susan Langley on the 13th of April 2026 at Bernard's Inn Hall, LondonAlderwoman Dame Susan Langley became Lady Mayor of London 7th November 2025. She is the 697th Lord Mayor, the third woman to hold the office, and the first to be styled “Lady Mayor”.Dame Susan Langley is Chair of Gallagher UK, and the Senior Independent Director for UKAR (Northern Rock Asset Management and Bradford and Bingley). Previously she was the Lead Non-Executive Director for the Home Office, a Trustee for Macmillan Cancer, CEO Financial & Professional Services at the Department for International Trade (DIT), Executive Director North America and Market Development for Lloyd's of London, Director of Lloyd's Asia and Chairman of Lloyd's Japan. Prior to this, Susan held various Insurance Board positions. She joined the Insurance Market from PriceWaterhouseCoopers where she was a Principal Consultant working with a range of FTSE 100 companies.A founding member of the Government Women's Business Council, she is a past recipient of the Insurance Institute of London (IIL) President's Award, the FS Women in the City Achievement Award, Women to Watch, Leading Women in Reinsurance and top 20 inspirational City Women. Born in the East End, she is passionate about social mobility and involved in a number of charitable and mentoring roles. In 2015 she received an OBE for services to women in business and in 2023, a DBE for public service to the financial services industry. Dame Susan graduated (BSc Hons) from Southampton University and married Gary in 2003. She is a Liveryman of the Insurers and Drapers and a Freeman of the Goldsmiths. Dame Susan is the Alderwoman for the City of London Aldgate Ward and served as Aldermanic Sheriff of the City of London 2023/2024.The transcript of the lecture is available from the Gresham College website: https://www.gresham.ac.uk/watch-now/lady-mayor-26Gresham College has offered free public lectures for over 400 years, thanks to the generosity of our supporters. There are currently over 2,500 lectures free to access. We believe that everyone should have the opportunity to learn from some of the greatest minds. To support Gresham College's mission, please consider making a donation: https://www.gresham.ac.uk/get-involved/support-us/make-donation/donate-today Website:  https://gresham.ac.ukX: https://x.com/GreshamCollegeFacebook: https://facebook.com/greshamcollegeInstagram: https://instagram.com/greshamcollegeBluesky: https://bsky.app/profile/greshamcollege.bsky.social TikTok: https://www.tiktok.com/@greshamcollegeSupport Us: https://www.gresham.ac.uk/get-involved/support-us/make-donation/donate-todaySupport the show

Cloud platform Vercel confirms a data breach. Microsoft releases emergency updates to fix Windows Server restart loops. Bluesky gets DDoSed. Insurers keep close watch on an AI hiring discrimination suit. Cybersecurity workforce turnover rises. Scammers abuse Apple's email notification system. A Scattered Spider member pleads guilty to SMS phishing and cryptocurrency theft. Monday business brief. Our guest is Melissa K. Smith, SVP, Global Strategic Partnerships and Initiatives at SentinelOne, discussing building a unified defense through strategic partnerships. A budget beacon briefly betrays a boat's bearing.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Today on our Industry Voices segment, we are joined by Melissa K. Smith, SVP, Global Strategic Partnerships and Initiatives at SentinelOne discussing building a unified defense through strategic partnerships. If you enjoyed this conversation, be sure to check out the full interview here. Selected Reading Vercel confirms breach as hackers claim to be selling stolen data (Bleeping Computer) Microsoft releases emergency updates to fix Windows Server issues (Bleeping Computer) Bluesky Disrupted by Sophisticated DDoS Attack (SecurityWeek) Who is liable when artificial intelligence makes mistakes? (Financial Times) Insurance carriers quietly back away from covering AI outputs (CSO Online) Compensation vs. Burnout: The New Retention Calculus for Cybersecurity Leaders (Security Boulevard) Watch out, hackers are abusing Apple account notifications to distribute malware, steal money and data (TechRadar) British Scattered Spider Hacker Pleads Guilty in the US (SecurityWeek) Business Briefing for 04.15.26 (CyberWire Pro) Dutch navy frigate tracked by mailing it a Bluetooth tracker (The Register) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael Timms, Managing Director and Co-Head of Fund Finance at Bayview Asset Management, joins the InsuranceAUM.com podcast to explore how fund finance has evolved into a critical and rapidly expanding segment of private markets. From its origins in subscription lines to today's broader ecosystem including NAV lending, GP financing, and structured solutions, Michael outlines how innovation and growing capital demand are reshaping the landscape. In this episode, Michael shares where he is seeing the most compelling opportunities today, particularly as insurers increasingly play a larger role in providing capital where traditional banks have stepped back. He discusses how different fund finance strategies offer a wide range of risk-adjusted return profiles, and why understanding the structure and underlying collateral is key for effective portfolio construction. The conversation also dives into how insurers should think about accessing the space, where manager differentiation truly matters, and what potential risks or headwinds investors should keep in mind. As adoption continues to grow, fund finance is moving from a niche strategy to a core consideration for insurance portfolios.

Insurance companies are getting very specific when assessing which properties are exposed to risks like flooding, an insurance expert says, but there's a limit. An intense storm like the one that hit some Wellington suburbs yesterday could have happened anywhere, making the risk much harder to pin down to individual properties, Bryce Davies —climate spokesperson for AMI, State, and NZI— told Mike Hosking. If people didn't address the risks to their properties from flooding and wind damage it would “absolutely” have an impact on their insurance premiums, he said. Insurers would also be increasingly focused on perils like landslips in the coming years. But Davies said AMI, State, and NZI weren't making blanket decisions to pull insurance from some areas. “We're here to insure people…that's our business and so we're focused on making sure that we can do that.” LISTEN ABOVE See omnystudio.com/listener for privacy information.

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.

SUMMARY DEL SHOW Futuros levemente en verde, pero el mercado está en modo whipsaw. Hoy es día de deadline. Trump le dio a Irán hasta 8PM ET para reabrir Ormuz. El tape es binario y headline driven. Petróleo sigue siendo el freno. Brent cerca de $110 y WTI arriba de $110 mantienen vivo el miedo a inflación reacelerándose. En macro salen durable goods y consumer credit, pero el driver real es Ormuz. CMS sube pagos 2027 de Medicare Advantage y empuja $UNH, $HUM, $CVS, $ELV, $CNC y $MOH. Anthropic asegura TPUs con $GOOG y $AVGO desde 2027. $AAPL enfrenta retos técnicos en el iPhone plegable y podría retrasar el calendario.

Truth Be Told with Booker Scott – We must close legal loopholes that let AI be a shield for mass collection. Lawmakers should assign liability when an autonomous system harms someone. Insurers, platforms, and builders must not hide behind lines of code. We should block foreign apps that capture intimate streams of American life. We should rebuild chip manufacturing and secure supply chains so...

Check out host Bidemi Ologunde's new show: The Work Ethic Podcast, available on Spotify and Apple Podcasts.Email: bidemiologunde@gmail.comIn this episode, host Bidemi Ologunde examines the push to mandate surveillance-adjacent safety technology in new cars by 2027, with a sharp focus on the United States. As regulators, automakers, insurers, and privacy advocates clash, one question looms over the future of driving: when your car is built to watch for danger, who else is watching you? Will these systems save lives without turning every commute into a stream of data? And if safety becomes the justification, where should the limits be?Sponsors and partners:Promeed: 100% mulberry silk pillowcases and bedding that feel incredibly soft, stay breathable, and are naturally gentle on hair and skin.SurviveX: professional-grade FSA/HSA eligible first aid and preparedness kits designed in Virginia, USA and produced in an FDA-registered facility.Alison US CA: Alison is the world's largest free online learning and skills-training platform, helping more than 50 million learners in 193+ countries build career-ready skills with 6,000+ free courses, certificates, and diplomas.eSign (iOS only): eSign is a clean, privacy-first document-signing app that works entirely on your device, letting you sign PDFs, DOCX files, images, and scans, edit and assemble pages, and export crisp 300 DPI PDFs in seconds, without accounts, cloud uploads, or compromising sensitive documents.Support the show

The episode highlights a structural shift in the cyber insurance market, marked by increasing reliance on risk analytics and automation for underwriting and claims management. Companies like CyberWrite and its CyGPT platform exemplify this move, leveraging artificial intelligence and large language models (LLMs) to support decisions around risk evaluation, policy underwriting, and post-incident analysis. The discussion points to a broader trend where insurers, seeking profitability and efficiency amidst rising cyber threats, increasingly depend on technical risk scoring and automated assessment rather than deep operational understanding of client environments. A key development is the heightened use of pre-breach and post-breach data collection by insurers for client evaluation. According to Nir Perry, insurance companies deploy platforms that scan client attack surfaces, dark web exposure, and implemented security measures, supplemented by questionnaires often completed by MSPs or IT managers. For larger clients or more significant coverage, insurers require more detailed controls and evidence, but the overall business remains highly profitable, with loss ratios generally favorable except in brief harder-market phases. The industry's underwriting models, as outlined by Nir Perry, prioritize statistical risk reduction based on historical breach data, not bespoke knowledge of each MSP's operational reality. Secondary factors reinforcing this shift include tension between checklist-based compliance approaches and practical security management, as well as the growing expectation that AI-enabled tools will speed up risk assessments and ROI modeling for security investments. Nir Perry notes that modern LLM-driven systems can rapidly extract and interpret risk information from technical documentation, enabling faster, data-driven recommendations for both insurers and MSPs. However, the episode also covers gaps in accountability when large software vendors shift the risk of vulnerabilities onto customers—a contrast to physical world liability frameworks—indicating persistent governance gaps in cyber risk assignment. For MSPs and IT leaders, increased dependency on insurer-driven checklists and risk models means that decision-making must closely track evolving carrier requirements, not merely technical best practices. Contractual and evidentiary risk arises if controls asserted during underwriting are not maintained, with some carriers declining coverage where documentation is inaccurate or solutions are misrepresented. Providers must account for operational delays during incidents, as insurer processes may prioritize forensics and evidence over immediate restoration. The proliferation of AI tools for risk analysis can help justify investments to business stakeholders but also increases the need for transparent and auditable decision records.

This week on the Oakley Podcast, host Jeremy Kellett chats with Shannon Newton (Arkansas Trucking Association) and Mark Colson (Alabama Trucking Association) to unpack the federal and state crackdown on illegal CDL “mills,” non-domiciled CDLs, and English language proficiency enforcement. They explain how federal standards and state enforcement interact, why self-certified CDL training providers are being removed from the system, and how chameleon carriers abuse multiple DOT numbers to dodge safety rules and accountability. The conversation covers the Trucking Resurgence reform plan, the Safer Transport Act, rising enforcement against bad actors, and new state laws in Arkansas and Alabama. Key takeaways: the industry is aggressively moving to protect CDL integrity, remove unsafe carriers, support law enforcement with better tools, and elevate professional drivers and reputable carriers who do things the right way. Don't miss this important episode!  Key topics in today's conversation include: Previewing Today's Episode with Shannon and Mark (0:37) Why the CDL Crackdown Matters and Guest Intros (4:09) Federal Versus State Roles in Trucking Regulation (7:14) Illegal CDL Schools, Non-Domiciled CDLs, and FMCSA Audits (10:18) How This Problem Grew Over Decades and Driver English Rules (13:23) Economic Cycles, Politics, and Why Enforcement Priorities Shift (16:31) Chameleon Carriers and Abusing Multiple DOT Numbers (19:02) Insurance Costs, Nuclear Verdicts, and Impact on Good Carriers (22:13) What Arkansas and Alabama Are Doing at the State Level (25:38) New State Laws, Working With ICE, and Roadside Realities (28:06) English Language Proficiency Enforcement and Out-of-Service Issues (31:11) Public Trust, Illicit Training Programs, and Trial Lawyer Risks (34:20) Role of Shippers, Brokers, and Insurers in Fixing the System (37:12) Raising Driver Pay and Professionalism as Standards Tighten (40:31) Appreciation for Professional Drivers and Positive Industry Image (43:37) Oakley Trucking is a family-owned and operated trucking company headquartered in North Little Rock, Arkansas. For more information, check out our show website: podcast.bruceoakley.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Jon Francis, Chief Product Officer at Chimnie, about why the future of property insurance underwriting depends on transparent, high-quality data. Jon explains how flawed or overly averaged property data can distort rebuild cost models, misprice risk, and ultimately drive adverse selection across insurance portfolios. He outlines practical methods for validating external data providers at scale, including large-volume testing to uncover hidden discrepancies that vendor samples often miss. The conversation also introduces a structured approach for transitioning to more accurate data systems while maintaining internal trust and regulatory confidence. From uncovering edge-case property characteristics to enabling frictionless quote journeys, Jon shows how granular property intelligence can become a powerful competitive advantage for insurers willing to modernize their risk data infrastructure.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Finally profitable again, the auto insurance industry has developed a renewed sense of competition for customers. Clark shares guidelines for finding companies big on customer service and value.  Also,  Americans are saving big bucks through “no spending” trends, and switching retailers. Thrift-centered businesses like Goodwill and Dollar Tree are thriving across all demographics. Clark admits he was wrong about Dollar Tree's decision to move past its signature $1 price point, explaining how the transition to a multi-price range has elevated the brand across the country. Best Auto Insurers: Segment 1 Ask Clark: Segment 2 Discounters Thriving: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Auto Insurance Companies - Clark Howard Report: These 10 Vehicles Are the Best for the Money in 2026 New York Post: Dollar Tree is invading posh neighborhoods after years of catering to low-income customers— breaking ‘stigma of the dollar store' Best Term Life Insurance Companies, Plans & Coverage How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard What Is a Credit Union? - Clark Howard 16 of the Best High-Yield Online Savings Accounts in March 2026 Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices