Podcasts about insurers

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

Insurance is essential for the carbon-credit market to unlock capital, manage risk and build trust. On this week’s episode of the ESG Currents podcast, Natalia Dorfman, CEO and co-founder of Kita, joins Eric Kane, director of ESG research at Bloomberg Intelligence, to discuss how her company provides insurance products that aim to unlock institutional investment for high-integrity carbon removal and natural-capital projects. They discuss some of Kita’s key offerings and dive into how they account for the nuances and challenges of these projects, including duration, value and monitoring. They also explore policy developments in the EU, the ramp-up of Article 6 projects and why Dorfman thinks 2026 is the year insurance will come in to handle the complex challenge of carbon-credit permanence. This episode was recorded on Feb. 9.See omnystudio.com/listener for privacy information.

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 8 of Winning Isn't Easy. In this episode, we'll dive into Pre-Existing Conditions and Cooperation Clauses: The Hidden Minefields in Long-Term Disability Policies.ERISA disability claims are often decided by the fine print most people never notice. Pre-existing condition clauses, cooperation requirements, and requests for financial documentation give insurance carriers multiple ways to delay, deny, or terminate benefits - even when the medical condition itself is clearly disabling. Insurers don't just evaluate the diagnosis; they examine policy timelines, how well claimants respond to information requests, and whether every requirement in the policy has been followed. Small technical missteps can quietly become the basis for a denial. In this episode, we break down three common pressure points in ERISA disability claims. First, we look at how pre-existing condition provisions can shape outcomes, including situations involving conditions like multiple sclerosis. Next, we explain how cooperation clauses can trap claimants when insurers demand ongoing information or documentation. Finally, we discuss the financial records carriers may request - and how failing to provide them can put benefits at risk. By the end, you'll understand why success under ERISA often depends not just on proving disability, but on carefully navigating the policy's fine print.In this episode, we'll cover the following topics:One - Pre-Existing Conditions and ERISA Disability ClaimsTwo - Cooperation Clauses and Claim DenialsThree - Financial Documentation and Cooperation RequirementsWhether 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.

Steven Badger from Zelle LLP joins us to talk about all the "hot topics" in the always interesting world of hail and other weather-related claims.  Steve will cover all the emerging trends in these claims, including current fraud and other abuse schemes, and provide his recommendations on how to address the common issues. He will also talk about what he is seeing with recent expanded use of the appraisal process.  Finally, Steve will talk about how his clients are addressing these issues through underwriting and policy wording changes. Notable Timestamps [ 00:07 ] - The episode introduces a discussion on emerging trends in hail and weather-related insurance claims, including fraud schemes, disputes over damage assessments, and how insurers are exploring underwriting and policy wording changes to address recurring issues. [ 01:22 ] - A key industry trend is shifting toward bigger-picture solutions that reduce disputes altogether, such as improving building resilience or changing claims processes so insurers and policyholders spend less time fighting over losses. [ 02:12 ] - Roof resiliency is a major topic. If roofing materials could withstand moderate hail, many claims would never occur, raising debate about requiring more durable materials like Class 4 hail-resistant roofing in hail-prone states. [ 03:28 ] - Some insurers already offer premium discounts for homes with Class 4 hail-rated roofs, but experts argue broader mandates may be necessary to significantly reduce hail claim frequency and stabilize insurance markets. [ 05:39 ] - Insurers report a rise in fabricated hail and wind damage claims, particularly during slow storm years when contractors relying on storm work may be tempted to create damage to generate insurance-funded repairs. [ 07:24 ] - Fabricated damage raises complex coverage questions. If a contractor intentionally damages property, insurers must consider whether the loss could fall under vandalism or malicious mischief provisions. [ 09:40 ] - Disputes often shift from scope of damage to pricing. Estimating tools like Xactimate help set initial reserves, but they are still estimates and can be manipulated by adding or removing line items. [ 11:27 ] - Many policies ultimately require payment based on the "amount actually incurred," meaning the real cost of repairs. This shifts focus from software estimates to contracts, invoices, and proof of actual payments. [ 14:08 ] - Contractors and public adjusters may inflate estimates within software systems, even adding items like adjuster commissions that are often not covered, which can raise unrealistic expectations for policyholders. [ 15:33 ] - One strategy to counter inflated estimates is obtaining real competitive contractor bids. Presenting an independent price for the same work can help challenge excessive claims and refocus negotiations on actual costs. Your PLRB Resources Invoking "Our Option" – Increased Use of Preferred Contractor Networks https://www.youtube.com/watch?v=kC_WAl0N7gI The Appraisal Process – Is it Still Useful to Resolve Disputed Claims? https://www.youtube.com/watch?v=v5YgKpL5FlI&t=1s Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

A measure awaiting Gov. Abigail Spanberger's signature would prevent health insurers from directing where doctors send biopsy samples within an insurance network.

Episode Overview What does it actually take to run a digital insurance operation at the system level—not at the chatbot layer, but at the transaction layer? Joshua R. Hollander speaks with Wayne Slavin, CEO and Co-Founder of Sure, about the infrastructure required to deliver true digital insurance in an AI-agent world. Wayne describes Sure's role as "what Visa and Mastercard were in the early days of credit cards"—building the rails for digital insurance distribution. Key Topics 1. What "Digital Insurance" Really Means Digital insurance is not about moving forms online or replacing phone calls with web interfaces. True digital insurance is straight-through processing from quote to policy issuance to payment—mirroring the speed and frictionlessness of e-commerce transactions. Wayne explains: "If that transaction requires some asynchronous process, some process that is interrupted, that we are actually not doing digital insurance." The benchmark: the entire process happens within minutes, not days or weeks. 2. API-First Infrastructure vs. Legacy Core Systems Sure's platform differs fundamentally from monolithic core policy administration systems (like Guidewire or Duck Creek) because it was built API-first with data normalization at its foundation. Legacy cores encourage over-customization, which locks insurers into inflexible, non-compliant systems. Sure's approach standardizes policy data across product types (homeowners, renters, fine art, landlord), enabling rapid changes and integrations. Unlike legacy systems, Sure doesn't force carriers to choose between their existing tech and innovation—it coexists alongside legacy infrastructure. 3. Model Context Protocol (MCP) and AI Agent Integration In February 2026, Sure announced the industry's first MCP server integration, enabling Claude AI agents to interact directly with Sure's infrastructure. MCP is a standardized protocol that allows AI agents to connect to business systems without custom integrations for each use case. This means insurers and brands no longer need 6-12 months of engineering to embed insurance; AI agents can quote, bind, manage, and renew policies conversationally. 4. Why Non-Endemic Brands Will Build Insurance The next major insurance distributors won't be insurance companies. They'll be brands, e-commerce platforms, fintechs, and technology companies with massive customer bases. Wayne's economic thesis: if a brand can convert customers to insurance at 20-30x the typical rate (vs. giving customer data to a third party), the unit economics change entirely. Large brands now have a path to retain customers and data while building insurance revenue. 5. The Transaction Layer as Moat Insurance isn't like retail or travel—regulatory consequences are real, policy admin systems are complex, and compliance layers must operate end-to-end. Sure's competitive advantage lies in building the foundational transaction layer that carriers either cannot replicate internally or would take years to engineer. This infrastructure layer is what enables AI agents to work reliably within compliance and regulatory constraints. 6. Insurance as an Ecosystem The future isn't a single insurer offering multiple products—it's an ecosystem where brands, platforms, and technology companies collaborate on insurance delivery. AI agents, powered by Sure's infrastructure, enable this distributed, composable insurance ecosystem. Key Quotes -"What digital insurance really means is truly a straight-through process where you're starting to get a quote that quote will be a real quote. It's not an estimate. It will become a real policy. You will pay real money. You will get a real coverage document. And the timing of all of that is pretty close to what you expect from regular old e-commerce." -"The next big insurance distributors won't be insurance companies. They will be brands. They'll be technology companies. They'll be fintechs. They'll be AI companies. They'll be companies that are currently sitting on large customer bases that don't have insurance products today." -"Before MCP, if an AI agent wanted to interact with an insurance system, you'd have to build a custom integration for each system, each use case. MCP standardizes that." Resources • Sure: https://sure.com • Wayne Slavin LinkedIn: https://www.linkedin.com/in/wayneslavin • Horton International: https://www.horton-usa.com/ Subscribe & Connect Tune in to the Insurtech Leadership Podcast for deep-dive conversations with insurance executives, founders, and innovators shaping the future of insurance technology. • LinkedIn: https://www.linkedin.com/in/joshuarhollander/ • Podcast Showcase: https://www.linkedin.com/showcase/insurtech-leadership-show #InsurTech #Insurance #InsuranceInnovation #Innovation #FutureOfInsurance #Leadership #ExecutiveLeadership

Kia ora. Welcome to Thursday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand. I'm David Chaston and this is the international edition from Interest.co.nz. Today we lead with news both China and the US have parallel PMI surveys and this month each told wildly different stories about how their February economies were tracking. But first, after flat-lining in each of the past four week, US mortgage applications rose notably last week, driven by strong refi activity, covering continuing weak new home purchase applications. The US ADP employment report shows a gain of +63,000 jobs in February, the most since July, following a downwardly revised +11,000 rise in January. Analysts were anticipating a gain of +50,000. But all the gains were in the education and health sectors, and only in small (sub 20 employee) companies. As a result, the data shows data shows no widespread pay benefit from changing jobs. In fact, the pay premium for switching employers hit a record low in February. The ISM February services PMI for the US expanded more than expected to its best level since July 2022 with gains in all subcategories. Meanwhile the parallel S&P Global/Markit services told a quite different story, with the expansion in that sector falling to its lowest level since April 2025 amid a weaker rise in sales. In Taiwan, their exporting miracle has extended with export orders soaring +60% to a new record of US$77 bln in January, besting market expectations of a +51% surge and accelerating from a +44% gain in December. Yes, electronics drove the rise, but they also had strong rises in chemicals, textiles, and metals. Orders poured in from the US, the EU and from China. Export orders a year ago at US$48 bln were not weak, so this is truly an astounding trend. In China, their official February PMI's were dour affairs, even for them. Both the factory and service sector reports revealed contractions in the month, the factory sector worse than in January, their services sector a slightly less contraction than in the previous month. But in complete contrast, the private S&P Global/RatingDog surveys found something different, strong expansions in both sectors. New orders drove the factory one to its best expansion in five years, they say. and new business drove their services expansion to its fastest pace in nearly three years. In Europe, producer prices rose quite sharply in January from December, but most of that was retracing a sharp December fall. Year-on-year they are down -2.1% although most of that fall was earlier in the year. Australia reported that its economic activity rose +2.6% in Q4-2025, compared to the same period in 2024. Analysts had expected it to rise +2.2% on that basis, so it was a very positive outcome. GDP per capita increased for the fourth consecutive quarter and is now +0.9% higher than a year ago, the highest year-on-year growth since December 2022. For the full 2025, this is +2.0% (real) higher than calendar 2024. Compensation of employees rose +6.5% in the year. The household saving to income ratio increased to 6.9%, up from 6.1% in the September quarter. This ratio is now at its highest level since the September quarter 2022. All this data is 'real' after inflation. And we should note that the aluminium price surged overnight as Persian Gulf refineries declared force majeure on their orders due to the US/Israeli attacks in the area and Iran's response. The same tensions are forcing up fertiliser prices sharply. Urea prices have jumped +11% in one day. Australia imports two thirds of its urea from the Middle-East. The same ratio applies to New Zealand. And despite the "Trump guarantee" and promises of naval protection, if you can get it, insurance costs for shipping in the Persian Gulf has soared by +1300%. Insurers are completely dismissing Trump's 'promises'. The UST 10yr yield is now just on 4.08%, up +2 bps from yesterday. The price of gold will start today up +US$30 from yesterday at US$5147/oz. Silver is up +US$1 at US$84/oz today. American oil prices are down -US$2 at just over US$74/bbl, while the international Brent price is up the same to be now just over US$81/bbl. The Kiwi dollar is up +50 bps against the USD from yesterday, now just on 59.3 USc. Against the Aussie we are up +10 bps at 83.9 AUc. We are up +40 bps against the yen. Against the euro we are up +30 bps at 51 euro cents. That all means our TWI-5 starts today up +40 bps, now just on 62.9. The bitcoin price starts today at US$73,236 and up +8.4% from this time yesterday. Volatility over the past 24 hours has been very high at just on +/- 4.0%. You can get more news affecting the economy in New Zealand from interest.co.nz. Kia ora. I'm David Chaston and we'll do this again tomorrow.

The ASX 200 fell 124 points to 9077 (1.3%) as events in the Middle East started to catch up. Comments from Michele Bullock on rate rises didn't help sentiment. Although the RBA is as in the dark as the rest of us in terms of implications. Across the board losses as resources saw profit taking, BHP fell 2.6% and RIO dropped 2.4%. Gold miners eased back after gains yesterday, leverage again being unwound. EVN down 4.5% and NEM off 2.0%. Rare earths and lithium fell hard, PLS dropped 6.8% and MIN off 6.1%. Oil and gas firmed, but not getting carried away. WDS up 0.8% and KAR up another 1.7%. Uranium stocks firmed too, PDN up 0.4% and coal better, WHC up 3.2% as coal prices spiked. Banks eased back slightly with the Big Bank Basket up modestly to $302.82 (+0.2%). MQG dropped 1.7% but MFG soared 21.9% on the Barrenjoey deal and placement. Insurers slipped but REITs hit hard as bond yields rose. GMG down 2.4% and CHC off 2.2%. Healthcare stocks fell led by CSL down 1.4% and FPH down 1.5%. WES dipped 3.6% with retail stocks falling hard on rate rise fears plus higher petrol prices. JBH down 3.2% and APE fell 5.6%. Travel stocks remain on the nose, FLT down 1.8% and WEB falling 2.0%. Tech held up relatively well, WTC off only 2.3% and XRO down 1.4% with the All-Tech Index down 2.3%.In corporate news, TWE fell 1.7% despite the French billionaire increasing his stake. CSC fell 8.1% despite record revenue and EBITDA failing to meet expectations. 360 ditched despite a maiden annual profit. NEU sold down 8.8% on news Acadia has requested a re-examination of EU ruling.On the economic front, consumer confidence fell 3.1pts last week.Asian markets weaker, Japan fell 2.7%, HK off 0.1% and China up 0.2%. South Korea down 5.7%. It had a holiday yesterday!10-year yields jump to 4.76%US Futures down DJ off 317 pts and Nasdaq down 275.—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.

Kia ora. Welcome to Wednesday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand. I'm David Chaston and this is the international edition from Interest.co.nz. Today we lead with news inflation spike fear is gripping financial markets today as equities fall, bond yields rise, some key commodities like the oil price are spiking, and there is a sharp move toward perceptions of financial 'safety' which is hurting commodity-based currencies like the AUD and the NZD. The fear is based on seeing central banks hiking policy rates to weight against a looming inflation spike, just when economic activity is likely to weaken sharply on the consequences of Trump's wars. The fear is stagflation on steroids. It is affecting investors from New York to Shanghai. And now Trump is blaming friends (Spain, the UK) for not being supportive enough and threatening new trade restrictions. But it isn't universal - yet anyway. First up today, there has been another very good dairy auction overnight, the fifth positive one in a row, delivering prices up overall by +5.7% un USD terms. With the falling NZD, prices are up +8.4% in NZD. Our charts tell the story overall and in product detail. Basically prices are now back to the high 2025 levels in both USD and NZD terms. Yes, analysts will be reaching for their pencils to reassess the season's payout forecast, although we should caution that we are well past the peak of the milk flows - and that volumes offered and sold overnight are falling away seasonally. More broadly, in the US overnight, the February US Logistics Manager survey showed pressure on their system with rising inventories and strained capacity. Meanwhile the RealClearMarkets/TIPP Economic Optimism Index retreated in March from February, and delivering a decline when an rise was expected. This is largely because personal investor sentiment fell sharply as confidence in US government economic policies slipped away. In the Middle East, only one tanker, a Singaporean one, has managed to traverse the Straits of Hormuz in the past day. It's essentially closed still. Insurers have cancelled policies. Now the US says it is considering providing that, at taxpayer expense. The costs of war are broad. The scheduled meeting between Chinese President Xi and US President Trump is still on for the end of March. Given the unhinged policy-making by the US, it is a lottery on how this will play out. Trump will undoubtedly look for short-term, face-savings wins. Xi will be playing a much longer game. Meanwhile, China is putting the finishing touches to its latest five-year plan. We are approaching the rubber-stamp set piece. In Europe, the Euro area inflation rate rose to 1.9% in February, up from 1.7% in January. Although minor it was an unexpected rise. And that pushed core inflation up to 2.4% in February. Given the global rise in uncertainty, and the US/Israel/Iran crisis pushing up their energy costs very sharply in the past few days, these inflation levels are unlikely to stay this low in March, giving the ECB a new headache. In Australia, total residential building consents fell at a -7.2% rate in January, following a -30.7% drop in December. Year on year it is down -15.7%, the largest fall since late 2023. This may have ended the rising trend of approvals that started in July 2024. But there were 9,900 detached houses approved for construction nationally, a 41-month high. The big shortfall is in intensive housing. Australia's current account balance fell by -AU$2.8 bln in December 2025 to a deficit of -AU$21.1 bln. This is its second consecutive fall, driven by a net primary income deficit widening. This will take -0.1 percentage points from the December 2025 GDP result which will be released tomorrow. In public comments yesterday, the RBA governor acknowledged the sudden increase in uncertainty in the global economy, on top of already high uncertainty from Trump's abandonment of an international rules-based order. She said "a supply shock could, for example, add to inflation pressures. And the potential implications for inflation expectations are something we are very alert to. But at the same time, a prolonged impact on energy markets could have adverse effects on global economic activity and result in downward pressure on inflation. It is not obvious how this might play out." Westpac says Brent crude at US$100 is entirely possible in the coming few weeks. The UST 10yr yield is now just on 4.06%, unchanged from yesterday, although it did get up to 4.11% in between.  The price of gold will start today down -US$179 from yesterday at US$5117/oz. Silver is down another -US$4 at US$83/oz today. American oil prices are up +US$5.50 at just under US$76/bbl, while the international Brent price is up the same to be now just over US$82.50/bbl. These at +7.5% rises. A collapse in Iranian oil production could have quite deep impacts. The Kiwi dollar is another -50 bps lower against the USD from yesterday, now just on 58.8 USc. Against the Aussie we are down -10 bps at 83.8 AUc. We are down -60 bps against the yen. Against the euro we are unchanged at 50.7 euro cents. That all means our TWI-5 starts today down -40 bps, now just on 62.5 and a new one month low. The bitcoin price starts today at US$67,5755 and down -3.2% from this time yesterday. Volatility over the past 24 hours has been moderate at just under +/- 2.6%. You can get more news affecting the economy in New Zealand from interest.co.nz. Kia ora. I'm David Chaston and we'll do this again tomorrow.

Charlie Weston, Personal Finance Editor of the Irish Independent, highlights changes to data that motor insurers may have to provide regarding changes to customers' motor insurance policy.

AM Best Directors Bridget Maehr and Ann Modica discuss a new Best's Market Segment Report that finds Caribbean insurers are highly reliant on reinsurance to manage capital, risk retention, and to expand their book of business.

Robert Troy, Minister of State with responsibility for Insurance

Another day, another record high as the ASX 200 rose 47 points to 9174 (0.5%). Banks missed the memo today, the Big Bank Basket fell to $309.01 (-0.5%) with ANZ a winner. MQG too rallied a little, up 1.2% and other financials also rallied, AMP up 3.9% and ZIP rallying another 5.4%. GQG also had a better day up 2.3% with PPT up 8.3% on results. Insurers flat. REITs better, GMG up 1.2% and SCG rising 1.9%. Industrials were better with the healthcare sector rising, CSL up 0.6% and COH rising 0.9%. Tech stocks were back in vogue, WTC jumped another 2.6% with XRO up 8.6% and the All-Tech Index flying 3.8% higher. REA and CAR also caught the optimism. WOW and COL pushed ahead, Agri stocks were also firm following RIC results. ELD up 2.8% and A2M up 1.4%.In resources, BHP hitting fresh records, up 2.2% with RIO playing catch up rallying 3.7%. FMG fell slightly. Gold miners took a breather with lithium stocks roaring on moves from Zimbabwe to limit exports of critical metals. PLS rallied another 8.3% to record highs, MIN up 4.0% and LTR dropping 8.6% on a large block trade indigestion. BSL dropped 2.3% as the board rejected the SGH bid. Energy stocks eased, WDS down 1.1% and PDN fell 4.2% with DYL off 4.4%.In corporate news, QAN fell on a weaker outlook, LYC rose 1.2% on better than expected results, NEU jumped 5.7% on DAYBUE sales numbers, WOR stumbled 10.2% on worse than expected results. DRO rallied 8.9% on some new orders out of Europe and SUL jumped 8.4% on better numbers. CTT went flat on results falling 25.6%.On the economic front, Private new capital expenditure (capex) rose 0.4% in the December quarter.  Asian markets came back online with Japan up 0.9%. China down 0.2% and HK down 0.4%.10-year yields steady at 4.70%US Futures slightly weaker despite Nvidia results beating forecasts. DJ down 0.2% Nasdaq down 0.3%.—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 rose 106 points to 9128 (1.2%). Banks were slightly higher with WBC up % and the Big Bank Basket rose to $310.41 (0.5%). MQG had an anaemic 0.3% rally. Financials were better with GQG up 3.3% and ZIP soaring 9.4%. NWL and HUB also rallied. Insurers flat. REITs mixed, SCG up 0.3% and MGR falling 1.0%. Healthcare mixed, CSL flat, RMD down 2.7%. Tech was the place to be following a US rally and the WTC results and job losses. WTC rose 11.1% kicking the All -Tech Index up 4.0% with XRO up 5.5% and IRE jumping 9.6% on better-than-expected results. MP1 bounced 9.8% as volatility continued. Industrials mixed, WOW soared 13.0% on much better results, JBH rallied 0.9% and WES continued lower. TAH hit the jackpot on results rising 23.5%. REA and CAR both trundled higher. In resources, BHP hitting record highs again up another 3.2%. FMG jumped 4.7% on results. RIO joined in too. Gold miners were mostly better, NST up 2.1% and EVN up 3.3%. Lithium stocks jumped again, PLS up 2.8% and MIN up 1.5%. LYC jumped 7.9%. Copper stocks also in demand, SFR up 2.2%. Uranium stocks picked up pace, PDN up 4.0% and NXG rising 3.7%.In corporate news, DMP dumped 11.1% on sales and margin issues. FLT softer on reaffirmed guidance. IRE rallied 9.6% on results and AX1 soared 19.9% after beating H1 and the dividend. DRO also had a good day, up 12.6%, after net profit jumped 367%. Still only $3.5m.On the economic front, Australian monthly CPI came in a 3.8% as expected. 3.4% on the core CPI. Slightly above forecasts. Rate rises still on the table.Asian markets came back online with Japan up 2.4%. China up 1.2% and HK rising 0.8%.US Futures slightly firmer. Dow up 4 and Nasdaq up 29 on SOTU Address.—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 6 of Winning Isn't Easy. In this episode, we'll dive into The Ongoing Proof Trap: When Improvement, Doctors, and Daily Activities Kill Your Long-Term Disability Claim.Securing ERISA Long-Term Disability benefits often hinges on a hidden danger: the ongoing proof required to keep them. Insurers don't just assess whether a condition exists - they look for signs of improvement, weigh treating physician opinions, and scrutinize everyday activities for evidence you can still work. Even minor changes in medical records, mixed messages from doctors, or routine daily tasks can quietly undermine a valid claim. In this episode, we break down how perceived improvement, physician dynamics, and lifestyle details are used to challenge continued eligibility. By the end, you'll understand why maintaining LTD benefits isn't just about proving disability once - it's about consistently documenting functional limits and avoiding the traps that lead to termination.In this episode, we'll cover the following topics:One - When Improvement in Cardiac Function Can End Your BenefitsTwo - When Your Treating Physician's Opinion Doesn't Guarantee Your ClaimThree - Daily Activities That Can Kill Your ERISA Disability ClaimWhether 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.

In this insightful episode, Denise Garth sits down with Stephanie Whalen from Ullico to dive into the company's bold transformation journey. They explore how the company's rich history shaped its strategy, the critical role of technology and the right partner, and how Majesco's Intelligent Core and GenAI are helping employees work smarter and adapt to change. Stephanie shares how Ullico is embracing a shift from green screens to modern solutions, what's ahead for the business, and practical advice for others starting their own transformation journey.

The ASX 200 opened firm, slipped then rallied off lows as US futures stayed positive. We closed down only 4 points to 9022. Banks made a comeback, NAB up 1.0% with WBC up 1.5% and the Big Bank Basket up to $309.01 (0.3%). Financials elsewhere were smacked down on private equity fears, AI concerns and bears playing havoc post results. MQG dropped 3.6% on PE concerns, RPL rallied hard on better results, up 4.8% and NGI came under extreme pressure down 5.4%. MAF continued lower. ZIP fell another 6.4%. Insurers also fell, QBE off 1.6%. REITs too under pressure, GMG down 2.6% and SCG falling 1.1%. Industrials were mixed, WES down 1.8% and REA off 3.9% with tech under extreme pressure again, WTC fell 3.7% and XRO down 4.6% with the All-Tech Index down another 3.1%. Retail under pressure too, SUL off 2.5% and PMV falling 1.9%.Resources were generally firm. BHP hit record highs, up 1.4% with RIO slipping 1.1% on some broker downgrades, FMG up 1.1%. Golds firmed then slid slightly as bullion prices came off the boil, NST up 1.6% and EVN up 0.8%. Lithium stocks went nuts, PLS up 8.0% and LTR rising 8.7%. Oil and gas stocks rose, WDS results cheered, STO up 0.4% and uranium stocks mixed.In corporate news, MND pushed 5.9% higher on better than expected results, WDS managed a small rise after 24% drop in profits. NEC rallied 0.5% on numbers, VEA rose 8.1% after a stronger number. ARB had a shocker, falling 13.1% after a 17% drop in profits. KLS had a good day, up 7.8%, after announcing the sale of its tourism business.On the economic front, Australian consumer confidence rose 3.1 points last week to 80.2.Asian markets came back online with  Japan up 0.9%. China up 1.3% and HK falling 1.9% US Futures slightly firmer. Nasdaq up 120 - S&P 500 up 22.—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.

Feb. 23, 2026- New York State Council for Community Behavioral Healthcare Executive Director Lauri Cole talks about prompt payments for her members, curtailing the role of insurance companies, and cutting red tape.

Rubicon - Monologue on the discord between Providers Hospitals and Insurers

The ASX 200 lost 5 points to 9081 for its first down day this week. No Freaky Friday drop! For the week, the index is up 1.8%. Banks leading the way again, the Big Bank Basket up to $311.23 (+0.9%). MQG fell 1.6% with other financials slipping again, ZIP eased 3.8% after an early rally. Insurers though firmed on a better set of numbers from QBE, up 7.1% and SUN up 1.8%.  REITs were slightly firmer, industrials slipped lower, ALL down 4.6%, WOW and COL slid, TLS off 0.6% and REA dropping 0.6%. Retail also fell led by JBH off 1.2% and GYG crashing 13.9% on results and US update. Healthcare eased back, CSL off 0.6% and COH continuing lower. PME dropped 2.1% and RMD fell 0.6%. Tech was once again back on the noise, WTC off 3.8% and XRO falling 3.7% with the All-Tech Index off %.Resources were mixed, RIO fell 3.1% on results whilst BHP held firm. Gold miners were mixed with results falling, NEM down 4.9% on numbers, GMD off 3.1% on its numbers. Lithium stocks fell, PLS down 4.6% on results, and LTR off 6.4% with results from MIN failing 5.3% to help sentiment. In the oil and gas space STO dropped 0.9% and uranium stocks were ok, PDN up 5.4% on Canadian approvals.In corporate news, ING dropped as it cut its poultry forecast. NEM off 4.9% on its results, ASB awarded a $4bn contract from the ADF and TLX jumped 14.5% as it guided higher revenues.On the economic front, nothing today, in the US, we may get the tariff ruling and we have Core PCE.In Asia, HK back from holidays, down 0.6% and Japan down 1.3%.US Futures up. DJ up 62 Nasdaq up 42—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.

Neda Vakilian of Actis and David Swift of General Atlantic join the InsuranceAUM.com Podcast to explore how growth equity and infrastructure equity are reshaping the opportunity set for insurance investors in the energy transition era. As electrification accelerates, AI drives non-linear power demand, and energy security becomes a strategic priority, they outline how these structural forces are creating durable, long-term investment themes.   The discussion examines the difference between traditional infrastructure debt and control-oriented equity strategies, highlighting capital-efficient growth businesses and essential, baseline infrastructure in both developed and growth markets. Neda and David detail how their teams approach risk, focusing on execution rather than technology risk, policy-agnostic business models, long-dated cash flows, and disciplined underwriting frameworks designed to support capital preservation.   They also address how sustainability outcomes can emerge from solving economic problems, aligning measurable impact with institutional-grade return expectations. For insurers navigating long-duration liabilities and evolving enterprise risk priorities, this conversation offers a practical perspective on deploying capital into a structurally changing energy landscape.

Brian Whorley, Founder and CEO of Paytient, is rebuilding healthcare's broken payment infrastructure. Paytient enables employers and insurers to front healthcare costs for members who repay over time, interest-free. The company now serves 6,000 employers and powers payment solutions for nearly half of America's 50 million Medicare seniors. In this episode of BUILDERS, Brian reveals his counterintuitive GTM pivot from employers to insurers, why he testified before Congress on healthcare affordability, and how to build in highly regulated markets without fighting the system. Topics Discussed: Why healthcare lacks functional buyer-seller dynamics and transparent pricing The World War II tax quirk that prevents employers from giving healthcare dollars directly to employees Cash market case studies: Why LASIK prices decreased in real terms since 1998 while maintaining quality improvements Paytient's unexpected discovery that insurers were better strategic partners than employers Congressional testimony before the House Committee of Oversight and Government Reform on December 10th The company's evolution from founder-led employer sales to insurance-first distribution strategy Launching self-serve for sub-200 employee companies while closing Fortune 100 accounts How Medicare regulations requiring prescription payment flexibility created a 50-million-person market GTM Lessons For B2B Founders: Test enterprise distribution earlier than your assumptions suggest: Brian assumed Paytient needed a million users before insurers would engage. Instead, one of the nation's largest insurers partnered early because they recognized out-of-pocket costs as a critical experience gap they couldn't solve internally. The insurer's product team understood the problem but lacked control over member finances. When building in complex ecosystems, large strategic partners may engage earlier than expected if you solve a problem outside their core capabilities. Prioritize partners with longer planning horizons: Brian discovered insurers planning 2027-2029 health plans in early 2025, while employers focused on last month's challenges. This planning horizon difference fundamentally changed Paytient's GTM strategy. Insurers became the majority of their business because they could "invest and reshape for the long term" as part of broader strategy. When choosing between customer segments, prioritize buyers who think strategically over those managing tactical, short-term needs—they'll invest in solutions before acute pain points emerge. Regulatory tailwinds can create massive distribution overnight: A law passed four years after Paytient launched required all Medicare insurers to offer exactly what Paytient provides—prescription cost flexibility with insurer-fronted payments. This regulation instantly created a 50-million-person addressable market. Brian now powers this for "almost half the country." When building in regulated industries, track pending legislation that could mandate your solution category, creating instant distribution through compliance requirements. Build different GTM engines for concentrated vs. fragmented markets: Healthcare is "a very concentrated industry" at the top 40 insurers, where Paytient focuses enterprise efforts. For the fragmented small business market (under 200 employees), they launched a self-serve platform at patient.com this month, immediately gaining traction with venture-backed employers seeking simple subscriptions. The dual-motion approach—high-touch for concentrated markets, self-serve for long-tail—maximizes coverage without burning capital on inefficient sales motions. In trust-based sales, delivery quality drives expansion velocity: When Paytient launches with a Fortune 100, "tens of thousands of people have access to patient now." The benefits stack is "sacred and sacrosanct"—a trust-based, relationship-driven sale. Brian emphasizes the product must work "exactly how you said, even better" because performance creates referrals through benefit brokers and consultants. In high-stakes enterprise deployments, your product quality directly determines sales velocity through partner and customer networks. Navigate regulatory constraints as creative boundaries, not barriers: Brian's core advice for healthcare founders: "You have to work with the system as it is." Many founders approach healthcare "as antagonist" with solutions "too foreign or too different" that threaten the status quo. Instead, innovate within existing regulatory and operational frameworks. There are "plenty of space" and "data requirements for how healthcare can work today" to build billion-dollar businesses while respecting industry structure. Fighting the system guarantees slow adoption; working within it enables scale. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

What more do you think the insurance profession can do to support survivors of economic abuse? In this week's episode of The Journal Podcast, we'll be discussing the recently released CII Economic Abuse Report, focusing on: ➡️ What economic abuse is ➡️ How insurance providers can better identify economic abuse ➡️ Ways in which providers can prevent and respond to economic abuse We'll also speak about the impacts on individuals affected by economic abuse, how AI and digitalisation is affecting survivors of economic abuse and how the profession can adapt and evolve in future to better support those impacted by economic abuse. Joining the podcast this week is Alex Devereux, Senior Financial Services Specialist at Surviving Economic Abuse, and Carmen Powell, CEO of ISC Group. Click here to read the full report: https://media.umbraco.io/ciigroup-dxp/cgmjoonx/economic-abuse-guidance-for-general-insurance-providers.pdf

In this episode, Denise Garth is joined by Sarah Woodrow and Andrew Brown from Aviva to share how they've transformed loss control from traditional site visits to a digital-first model using video inspections, self-surveys, and powerful analytics. They reveal how launching Aviva Self-Assess during COVID reshaped customer engagement, unlocked major time and cost savings, supported sustainability goals, and set the stage for new capabilities like an impairments module and data-driven risk insights that deliver greater value for commercial customers.

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 5 of Winning Isn't Easy. In this episode, we'll dive into The Language of Limitation: Russell Van Brocklen on What Dyslexia Research Teaches Us About Disability Claims.Understanding how cognitive and reading challenges show up in real work settings can determine whether a disability claim is fairly evaluated or misunderstood. Too often, Long-Term Disability decisions focus on diagnoses alone, overlooking how processing speed, reading accuracy, memory, and mental fatigue affect day-to-day job performance. Insurers may recognize a condition exists while still concluding work is possible - without fully accounting for sustained cognitive demands. In this episode, we examine what functional limitation really looks like when cognitive challenges are involved. Our guest, Russell Van Brocklen, shares research-driven insights into how reading and processing difficulties affect productivity, accuracy, and endurance at work. We cover three areas: connecting cognitive science to disability claims, translating research into usable claim evidence, and practical takeaways for attorneys, clinicians, and claimants. By the end, you'll see why cognitive limitations must be evaluated in real-world terms, and why linking science to functional impact is key to protecting Long-Term Disability benefits.In this episode, we'll cover the following topics:One - Background and Context: Bridging Research and Disability ClaimsTwo - Translating Cognitive Science into Claim EvidenceThree - Practical Insights for Attorneys, Clinicians, and ClaimantsWhether 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.

Maria Long, chief underwriting officer, Resilience, discusses how emerging cyberthreats are transforming cyber insurance and driving the need for stronger underwriting and enhanced client resilience.

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 4 of Winning Isn't Easy. In this episode, we'll dive into Vocational Evaluators and ERISA Disability: How Your Skills and Residual Functional Capacity Shape Your Claim.Understanding how vocational evaluators fit into the ERISA disability process can be the difference between securing the Long-Term Disability benefits you paid for and having your claim unfairly denied. Disability carriers rely heavily on vocational experts, and their assessments often shape claim outcomes - sometimes in ways that don't accurately reflect a claimant's true functional abilities. Insurers don't rely on medical records alone. They analyze residual functional capacity, past job duties, and whether your skills could transfer to other work. If your work history, limitations, or skills aren't clearly documented, or if your occupation is misclassified, your claim can be delayed, reduced, or denied altogether. Vocational evaluations are especially decisive during the “own occupation” and “any occupation” phases of a claim. Small assumptions or errors in a VE report can have outsized consequences, making it critical to understand how these evaluations work and how they can be challenged. In this episode, we break the process down into three parts: what ERISA claimants need to know about vocational experts and transferable skills, why challenging the carrier's VE is often essential, and how competing vocational opinions can protect your benefits. By the end, you'll understand why winning an ERISA disability claim isn't just about diagnosis - it's about clearly presenting your functional limits and holding insurers' experts accountable.In this episode, we'll cover the following topics:One - What Every ERISA Policy or Plan Holder Must Know About the Role of a Vocational Expert in Their Disability Insurance ClaimTwo - Why You Must Have an Experienced ERISA Disability Attorney Attack the Opinion of the Carrier's “Liar-for-Hire” Vocational Evaluator in Your AppealThree - The Hidden Battle of Experts - Your Vocational Evaluator vs. TheirsWhether 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.

Joe Toomey, vice president, underwriting security, Coalition, discusses emerging cyber vulnerabilities such as React2Shell, and how insurers help clients strengthen resilience and manage evolving risk.

The Aussie market clawed back last week’s losses as a resurgence in Materials and Health Care offset a late fade in the banks. Insurers were hammered by fresh AI disruption fears, following the US launch of an AI-powered comparison tool by Insurify, which sparked a heavy sell-off for local companies like Steadfast and IAG. In the resources space, Uranium stocks and BHP advanced, and Pilbara Minerals also found support after locking in a major lithium offtake agreement. However, G8 Education crashed nearly 20% after scrapping its dividend and flagging a massive $350 million write-down. Attention now pivots to a high-stakes Wednesday, with CBA and CSL set to headline the busiest day of the reporting season so far. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

In this installment of the Expert Viewpoint video series, Pragatee Dhakal, Director of Product Strategy and Enablement at CLARA Analytics, explains how nuclear verdicts are becoming more frequent—and … Read More » The post Expert Shares How Nuclear Verdicts Are Impacting Insurers appeared first on Insurance Journal TV.

A carrier vanishes from the road, sells its MC, and reappears just long enough to “accept” a $3.8M server load. Sounds absurd—until you see how often the digital record diverges from real-world behavior. We sit down with Genlogs CEO Ryan Joyce to unpack their $60M Series B and the larger vision: an all-source intelligence platform that fuses roadside cameras, satellite imagery, IoT signals, open datasets, and financial clues into one reliable source of truth.We walk through why data quality—not flashy demos—determines AI ROI in logistics. Ryan breaks down how Genlogs' nationwide camera network establishes ground truth, then correlates it with other signals to expose mismatches: carriers that stop appearing on highways, fleets that claim 200 trucks online while their physical footprint stays flat, or flatbed operators suddenly “hauling” high-value electronics in dry vans across the country. These anomalies are the breadcrumbs that prevent theft and steer teams away from risky tenders. More importantly, the same signals power precision sourcing—finding the one carrier in the right city with the right equipment today—so you can stop blasting a hundred calls to cover one load.The conversation expands beyond fraud. Ports use the platform to measure dwell at the gate, improve turn times, and identify BCOs draining cargo from neighboring gateways. Insurers, lenders, and truck sales and service centers get access to verifiable activity data that refines underwriting, targeting, and revenue planning. With fresh capital, Genlogs is sequencing a multi-product roadmap, expanding coverage into Mexico and Canada, and staying disciplined on spend to protect quality and customer trust.If you care about accurate carrier validation, fewer costly mistakes, and sourcing that actually lands on the first or second call, this conversation offers a practical blueprint. Follow The Freight Pod and host Andrew Silver on LinkedIn.Thanks to our sponsors:Stuut Technologies: Your AI coworker that collects your cash automatically.https://www.stuut.ai/Cloneops.ai: Not just AI. Industry-born AI.https://www.cloneops.ai/Rapido Solutions Group: Nearshore solutions for logistics companies.https://www.gorapido.com/GenLogs: Freight Intelligence on every carrier, shipper, and asset via a nationwide sensor networkhttps://www.genlogs.io/

Healthcare innovator Neal Shah joins me to unpack how artificial intelligence is being used against patients—and how it can be used to fight back.Most conversations about AI in healthcare focus on efficiency, cost savings, or shiny tools. This episode goes deeper. Neal Shah and I examine how insurers have quietly weaponized AI to deny care at scale—and why patients are losing not because they're wrong, but because the system is asymmetrically stacked against them.Neal shares how caregiving for his grandfather with dementia and his wife through years of cancer exposed the realities of denial letters, administrative friction, and time-based exhaustion. We explore how claim denials jumped from 1.2% to nearly 20% nationwide, why most patients never appeal, and how insurers exploit the fact that appeals take hours while denials take seconds.From there, we dig into how AI—trained on successful appeals, billing codes, medical research, and insurer coverage policies—can flip that imbalance. Not by gaming the system, but by restoring access to evidence, speed, and leverage for people who don't have legal teams or financial backstops.The conversation widens into elder care, end-of-life costs, administrative bloat, and why healthcare outcomes don't justify 20% of U.S. GDP. This isn't an anti-technology episode. It's a clear-eyed look at incentives, power, and how tools can either centralize control—or return it to individuals.The lesson isn't blind optimism about AI. It's discernment: knowing where technology helps, where regulation lags, and how ordinary people can protect themselves inside systems that weren't designed for fairness.TL;DR* Insurers now programmatically deny ~20% of claims—up from 1.2% fifteen years ago* 99% of denied patients never appeal, despite high reversal rates* Of those who appeal, ~40% win; with AI support, success jumps to ~73%* Most denials stem from billing errors or weak documentation—not medical necessity* State insurance regulators provide external review boards most patients don't know exist* AI can restore speed and evidence access—but doesn't fix broken incentives alone* Healthcare costs are driven by administrative bloat, not clinical care* Elder care is optimized for real estate returns, not human outcomes* The real crisis isn't technology—it's confusion, exhaustion, and lack of agencyMemorable Lines* “A denial letter is the shadow of a gun.”* “Insurers deny care in seconds—patients are expected to respond in hours.”* “Most people lose not because they're wrong, but because they're tired.”* “AI didn't break healthcare—it just exposed where power already lived.”* “Care is relational, but the system is designed to prevent relationships.”GuestNeal Shah — Healthcare innovator, author, and caregiver advocateFounder of Counterforce Health and Carriya, focused on patient empowerment, insurance accountability, and improving elder care through technology and workforce redesign.

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LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Health insurance stocks took a hit after the Trump administration proposed near-flat Medicare Advantage payment rates—just a 0.09% average increase projected for 2027. Insurers say rising healthcare costs make the math impossible, markets reacted fast, and Capitol Hill is already buzzing.Expect the outrage, the lobbying, and the closed-door deals. One way or another, the industry will look to get made whole—and as always, the bill ultimately lands on the public.

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 2 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of Why Most Social Security Claims Matter to Your ERISA Disability Case.Most people don't realize how much their Social Security disability claim can shape the outcome of an ERISA Long-Term Disability case. While these are technically separate systems, ERISA carriers rely heavily on what's contained in your Social Security file to decide whether to pay benefits, reduce them, or deny them outright. Insurers aren't just looking at a diagnosis - they scrutinize medical records, treatment history, work background, daily activities, and the statements you made throughout the Social Security process, all with an eye toward consistency. In this episode, we break down why Social Security evidence plays such a critical role in ERISA disability claims. We explain what carriers look for in your initial application and reconsideration filings, identify the key documents within your Social Security file that insurers focus on most, and show how consultative exams, vocational opinions, or missing information can be used against you. We also discuss why timing matters - from when a claim is filed to how denials, approvals, and appeals can impact an ERISA review. By the end of the episode, you'll understand that securing your Long-Term Disability benefits isn't just about proving you're disabled - it's about documentation, alignment, and knowing exactly how insurers evaluate your Social Security record.In this episode, we'll cover the following topics:One - What ERISA Carriers Look for in Your Initial or Reconsideration Social Security ClaimTwo - Congratulations, You Won Your Social Security Case! Now What?Three - How ERISA Carriers Use a Favorable Social Security Decision to Deny or Terminate BenefitsWhether 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.

When your insurance card suddenly stops working, it is not just a glitch. It is the symptom of a deeper crisis in Indian healthcare.Hospitals say insurers have failed to update reimbursement rates despite medical inflation. Insurers say hospitals are inflating bills and resisting standardization.Millions of policyholders are caught between them, forced to pay out of pocket for care they thought was covered.How did India's healthcare system end up in this deadlock. And who really decides what your treatment is worth?Tune in.*This episode was originally published on November 4th, 2025Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

At the Jan 6 hearing, Jasmine Crockett exposes Trump's knowing lies as Jamie Raskin sets the stakes—while health insurers deflect blame for soaring costs consumers can't escape.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

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Florida property insurance companies continue to report financial losses while affiliated businesses tied to the same corporate structures generate billions in revenue. A Florida House committee is working on legislation aimed at increasing transparency and accountability within the insurance industry. Times/Herald Tallahassee Bureau Reporter Lawrence Mower explains what potential reforms could mean for Florida policyholders. See omnystudio.com/listener for privacy information.

Florida property insurance companies continue to report financial losses while affiliated businesses tied to the same corporate structures generate billions in revenue. A Florida House committee is working on legislation aimed at increasing transparency and accountability within the insurance industry. Times/Herald Tallahassee Bureau Reporter Lawrence Mower explains what potential reforms could mean for Florida policyholders.

Shoot us a Text.Episode #1250: Colorado dealers filed suit on VW-backed Scout's direct-sales license, insurers face political heat as profits soar and affordability cracks, and Lemonade rolls out Tesla Full Self-Driving-based insurance, hinting at a future where driving software sets the rate.A group of Colorado VW, Audi, and Porsche dealers is suing the state after regulators approved a direct-sales dealer license for Scout Motors. Dealers argue the decision misreads state law and opens the door for OEMs to bypass franchised networks.Ten VW, Audi, and Porsche dealers filed suit this week, alleging Colorado improperly granted Scout a dealer license by treating it as an EV-only manufacturer.Dealers argue Scout's extended-range EV system is effectively a plug-in hybrid, disqualifying it from EV-only exceptions in state law.The lawsuit also claims Scout is an “alter ego” of Volkswagen Group, which already has franchised dealers and is barred from direct salesThe affordability conversation is turning its sights on insurers. After years of sharp rate hikes, home and auto insurers are posting near-record profits—and lawmakers are taking notice.Insurers are rebounding strongly, with the property and casualty industry posting its highest underwriting profit in nearly 20 years.Lawmakers in states like New York and Oklahoma are pushing profit caps, arguing rate hikes are out of step with household budgets.Auto insurance rates have stabilized nationally, but remain uneven by state, fueling continued consumer frustration.Lemonade is launching a new auto-insurance product built specifically for Tesla Full Self-Driving users, promising per-mile rates up to 50% lower when the software is engaged—an early glimpse at how insurance may evolve alongside partial autonomy.Lemonade will price insurance based on when Tesla's Supervised Full Self-Driving system is active versus human driving.The product relies on new vehicle telemetry data enabled through a technical collaboration with Tesla.Launch begins in Arizona on January 26, with Oregon following a month later.The move signals insurers are preparing for a future where software performance, not just driver behavior, sets risk and price.Lemonade president Shai Wininger said, “A driver who can see 360 degrees, never gets drowsy, and reacts in milliseconds isn't like any other driver.”This episode of the Automotive State of the Union is brought to you by Amazon Autos: Meet customers where they shop: reach high-intent buyers shopping for their next Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

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 1 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of The Gold in Your Social Security File: How Disability Carriers Use It Against You.Most people assume Social Security Disability and ERISA Long-Term Disability benefits operate independently. While they are separate systems, what happens in one can significantly affect the other. Insurers don't focus solely on diagnosis - they closely examine medical records, treatment history, daily activities, and statements made to Social Security to decide whether a claim meets the policy's definition of disability. In this episode, we examine how Social Security intersects with ERISA disability claims. We explain why carriers seek access to your Social Security file, what key evidence it contains, and how inconsistencies, consultative exams, or vocational opinions can be used to reduce, deny, or terminate benefits. We also discuss why timing matters, from SSDI approval to ongoing reviews and appeals. By the end of the episode, you'll understand that protecting your disability benefits isn't just about your medical condition - it's about strategy, documentation, and timing.In this episode, we'll cover the following topics:One - Setting the Stage: Why Your Disability Carrier Wants Your Social Security FileTwo - Inside the File: What Medical Material Can Lead to an ERISA DenialThree - Timing Is Everything: The Four Times Your Carrier Wants Your Social Security FileWhether 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.

Sarah Owen, chief product officer, One Inc, discusses new research that shows how speed, flexibility and clear communication in the auto claims payment experience are becoming decisive drivers of customer trust and long-term loyalty for insurers.

Send us a textPodcast Show Notes:Ever feel stuck staring at a decision that should be simple, while the industry keeps flying past you at 80 mph? You're not lazy. You're not broken. You're human. And in this re-shared message, we break down why procrastination sneaks into your shop and your life, and how one clear decision can flip the switch on momentum fast.We dig into how our brains are wired to protect us, not push us forward. That's great when you're avoiding danger, but not so great when you're deciding on ADAS training, EV safety procedures, hiring your next tech, or finally fixing that workflow bottleneck everyone complains about. While you're thinking it over, the world doesn't pause. OEMs update procedures. Insurers shift expectations. Your team waits. Pressure builds.I share a personal story about waiting too long on a decision and losing years I can't get back. The relief didn't come from the perfect answer. It came from deciding. From there, we walk through a simple framework that works in real shops: decide, observe, adjust, and keep moving. No perfection required.We also connect mindset to real results. Better hiring choices. Cleaner processes. Higher profit. Stronger leadership when things get heavy. Tools matter, but mindset runs the shop. Coaching comes up as a force multiplier, not a magic fix, but a way to shorten the learning curve and stop going it alone.If you're tired of “fixing to get ready,” this episode is your nudge to move.3 Key TakeawaysWaiting feels safe, but it quietly costs you time, energy, and opportunity.Decisions create clarity. Clarity creates momentum.You don't need perfect answers, just the courage to choose and adjust.Press play, pick one decision, and move forward today.Sign up for FREE to my "Quote of the Day" below: https://tinyurl.com/fv5xr68hSupport the showJoin our Mind Wrench mailing list!

Torbjorn Soltvedt, associate director of political violence, Verisk Maplecroft, explains how growing political polarization, fiscal strain and the amplified role of social media are driving a global increase in disruptive protests, with commercial property increasingly targeted.

Michelle Creed, Partner and Co-Head of Real Estate Secondaries, and Min Zhou, Managing Director in the Ares Secondaries Group, join host Stewart Foley, CFA, on the InsuranceAUM.com Podcast for an in-depth discussion on real estate secondaries and how the market has evolved.   The conversation explores the growth of GP-led transactions and continuation vehicles, the impact of valuation resets and liquidity dynamics, and how real estate secondaries can be used as a portfolio management tool. Michelle and Min also address common misconceptions around discounts, asset quality, and the motivations behind secondary transactions.   The episode concludes with insights into portfolio construction considerations, diversification, and capital efficiency, particularly as institutional investors navigate shifting real estate and private market environments.

Jan. 12, 2026- New York Insurance Association President Cassandra Anderson discusses workers' compensation fraud, including more resources for state regulators and an anti-fraud measure vetoed by the governor.

In this episode, Claire Souch is joined by Tom Philp, CEO of Maximum Information; James Lay, AVP of Product Management at Verisk; and Stephen Martin, Head of Catastrophe Modelling at Westfield Specialty, for a timely discussion on the future of catastrophe model evaluation, and why it's no longer enough to simply trust what's in the black box. As new specialist model vendors emerge and market expectations evolve, the panel unpacks a growing demand for transparency, interoperability and smarter ways to adopt models that fit real-world portfolios. At the heart of the conversation is a shared belief: the industry doesn't just need more models, it needs better ways to evaluate and use them. In this conversation, they explore: Why traditional model validation no longer meets the needs of modern risk teams The shift from 'black box' outputs to meaningful model evaluation that supports business decisions How tools from Maximum Information and Verisk's Model Exchange reduce the burden on small or lean teams The role of Oasis as a framework for opening up access across multiple model vendors Why standardisation and open data formats are essential for meaningful interoperability The growing role of niche vendors in reshaping perceptions of model transparency How automation is changing the regulatory and investor reporting game Why this is more than a tech upgrade—it's a cultural reset in catastrophe modelling Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.

(December 04, 2025) Insurers promise to ease authorization burden after UnitedHealthcare CEO’s murder… Here’s what happened. How to claim ‘Trump Accounts’ for kids after $6BIL contribution. Ultra-Orthodox Conscription bill threatens crisis for Israel’s government. Even affluent American’s don’t feel wealthy.See omnystudio.com/listener for privacy information.

What sort of a world do we live in if you can't be sure where an X account comes from? Google isn't out of the woods yet when it comes to antitrust. Insurers still don't want to touch AI. Let me tell you about “AI grooming.” And we might be running out of capacity for specific types of chips. X's messy About This Account rollout has caused utter chaos (The Verge) What OpenAI Did When ChatGPT Users Lost Touch With Reality (NYTimes) The Fate of Google's Ad Tech Monopoly Is Now in a Judge's Hands (NYTimes) Insurers retreat from AI cover as risk of multibillion-dollar claims mounts (Financial Times) Hundreds of English-language websites link to pro-Kremlin propaganda (The Guardian) AI boom is fueling a memory chip shortage that could hit cars and phones (CNBC) Learn more about your ad choices. Visit megaphone.fm/adchoices