Podcasts about insurers

As the renewable energy and storage industries grow, and enter more hostile geographies, asset resilience is becoming an increasingly pressing concern. Developers, owners and lenders want to know how solar, storage and other facilities can increase their resilience to the growing risks of physical threats such as hailstorms and wildfires. The rush to add capacity to meet surging demand from new data centres is adding to the pressure, making calculations about the value of asset reliability increasingly complex.In this special episode, host Ed Crooks speaks with Mike Perron, Renewable Energy Market Lead at FM, and Cassian Walker, Operations Vice President and Renewables Engineering Manager at FM, one of the world's largest commercial property insurers. They explain how insurers are starting to build resilience into renewable project design far earlier in the development process, and why that has become a financing issue as much as a technical one.For solar power, that means understanding the inherent physical risks such as hail, then deciding what combination of tracker systems, stowing technology and panels is right for the location. The same equipment that performs adequately in California or New Jersey can become a major liability in Texas or Arizona.Cassian explains how modern trackers can tilt panels away from an incoming storm to turn a direct hit into a glancing blow. Mike contrasts a devastating nine-figure loss at one Texas site with a far smaller loss at another facility that successfully stowed. Those resilience strategies can work only if the system is designed for the local wind and hail conditions, and the performance of the equipment has been tested and verified.From there, the conversation broadens to the economics. Insurance can account for a large share of a project's operating costs, and lenders are asking harder questions about resilience before they finance new builds. FM's case is that better engineering, better hazard modelling and earlier involvement from insurers and independent engineers can lower lifetime risk and improve financial performance, even if they raise up-front costs.Today, renewable developers still often treat insurance as a late-stage procurement exercise, after key technology decisions have already been locked in. Mike and Cassian argue that that is changing, but the industry is still early in that learning curve. As renewables become more important to the power system, those questions will only get harder to avoid.This episode of Energy Gang is sponsored by FM. As one of the world's leading commercial property insurers, FM combines engineering expertise, scientific research, and data-driven insights to help organizations understand, mitigate, and prevent loss before it occurs. From utility-scale solar and battery storage projects to thermal power generation, manufacturing operations, and other critical infrastructure, FM helps organizations build stronger, more resilient businesses. To learn more about FM's engineering-based approach to resilience, visit FM.com. For additional insights on risk, resilience, and business continuity, subscribe to FM's Sound Policy podcast. FM. Protect Your PurposeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Elon Musk's DOGE gutted staffing and budgets at NOAA and the National Weather Service early last year. It left America's fishing fleets, farmers and insurers exposed to the fallout. Read the full story on Forbes: https://www.forbes.com/sites/alanohnsman/2026/08/17/the-cost-of-doge-americas-environmental-intelligence-is-going-stale/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Concussion is possibly the greatest threat to the football codes Australians love. Some insurers say head trauma has such potentially devastating lifelong consequences they won’t insure against it. So where does that leave the players who put their bodies - and brains - on the line? Read more about this story at theaustralian.com.au and see the video by subscribing to our YouTube channel. AFL concussion crisis deepens as players are stripped of head injury insurance Hostplus quietly targets AFL players with concussion cover as insurance crisis deepens Sponsor GMHBA ‘monitoring’ Geelong Cats closely over controversial concussion player pact Geelong Cats concussion waiver sparks push for mandatory player safety clauses Corporate standards forgotten by AFL directors ‘sniffing the liniment’ says Jeff Kennett This episode of The Front is presented by Claire Harvey, produced by Kristen Amiet and edited by Lia Tsamoglou. Our team includes Tiffany Dimmack, Joshua Burton and Jasper Leak, who also composed our music. See omnystudio.com/listener for privacy information.

KCRA'S Ashley Zavala reports Gov. Gavin Newsom has ignited a political fight over wildfire recovery by urging lawmakers to limit who qualifies for compensation and how much utilities must pay through California’s wildfire liability fund. Supporters say it protects the system from collapse; critics argue it shortchanges fire victims. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | InstagramSee omnystudio.com/listener for privacy information.

The ASX 200 closed down 41 points to 9,209 (-0.45%), as the banking sector came under a little pressure, despite CBA results beating forecasts ever so slightly. WBC continued lower, down 0.9%, while MQG also slipped 0.7%. The Big Bank Basket slipped to $285.41 (0.7%).  Insurers bucked the trend, with SUN better following its results, while IAG also pushed higher. Financials were generally somewhat easier, with ASX falling 2.8% and NWL down 1.3%. The REITs were also weaker, with GMG falling 0.8% and SCG down 1.8%, while industrials generally slipped lower. CPU fell 4.5% following broker downgrades, while BXB was down 1.4%. SGH also drifted on some broker negativity. Retail stocks slipped following an update from PMV, which announced the closure of some UK stores. It fell 11.0%. Both WOW and COL fell 0.9%. Meanwhile, in the technology sector, we saw some profit-taking in WTC, XRO and TNE, with the All-Tech Index falling 1.0%.Resources were mixed as the three iron ore majors gave back some ground, although we did see gains in the lithium sector, with PLS up 4.3% and MIN doing well, rising 2.1%. Gold miners were also in favour as the bullion price pushed higher, with NST up 0.7% and NEM gaining 0.9%. Oil and gas stocks eased back despite Brent crude heading towards US$90, while uranium stocks pushed slightly higher, led by PDN, up 1.3%In corporate news, CBA results were a slight beat, with the outlook appearing to stabilise. The stock fell 0.7%. SEK announced write downs and fell 14.3%. AGL beat forecasts and rose 6.0%. ASX fell following news of class actions, while GQG reported FUM, with money continuing to leak out. PMV fell after a trading update and UK store closures. On the economic front, nothing locally. US CPI tonight.Asian markets were mixed, with Japan up 0.9%, Hong Kong down 1%, China down 0.6%, and Korea up 3.7%. US futures were mixed, the Dow was up 10 points and the Nasdaq up 74. European markets in holiday mode.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. 

The percentage of paid claims appears to be dropping industry-wide, over time. https://www.lehtoslaw.com

Car insurance in Australia has leapt by nearly 50 per cent in the last six years and this week, the financial regulator blasted insurers for failing to adequately explain to customers why they have jacked up prices by so much.So what's behind the spike in premiums?Insurers talk about the cost of repairing cars these days and global volatility, but there's plenty of evidence that companies will reduce the cost if you threaten to walk.Today's guest, national consumer affairs reporter Elias Visontay, talks about the real reason premiums have risen so steeply, and what you can do about it.The Morning Edition brings you the story behind the story with the best journalists in Australia. Join host Samantha Selinger-Morris, from the newsrooms of The Sydney Morning Herald and The Age, weekdays from 5am.If you enjoyed this episode and want to hear more, rate, review and subscribe on Apple, Spotify, YouTube or whichever platform you find your pods.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Car insurance in Australia has leapt by nearly 50 per cent in the last six years and this week, the financial regulator blasted insurers for failing to adequately explain to customers why they have jacked up prices by so much.So what's behind the spike in premiums?Insurers talk about the cost of repairing cars these days and global volatility, but there's plenty of evidence that companies will reduce the cost if you threaten to walk.Today's guest, national consumer affairs reporter Elias Visontay, talks about the real reason premiums have risen so steeply, and what you can do about it.The Morning Edition brings you the story behind the story with the best journalists in Australia. Join host Samantha Selinger-Morris, from the newsrooms of The Sydney Morning Herald and The Age, weekdays from 5am.If you enjoyed this episode and want to hear more, rate, review and subscribe on Apple, Spotify, YouTube or whichever platform you find your pods.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

NAIC's new principles-based bond definition went into full effect in 2025, according to a new Best's Special Report discussed by Kaitlin Piasecki, industry research analyst, AM Best.

The ASX 200 gained 18 points to 9,251 (+0.2%), with a slight flip higher as the RBA kept rates unchanged. Once again, we saw banks under some modest pressure, with ANZ down 1.3% and the Big Bank Basket down 0.3% to $287.50. Insurers also slipped, with QBE down 1.1% and IAG having a bad day, down 4.0%. Elsewhere, industrials were mainly firm, with healthcare a star, CSL up 2.9% and RMD up 3.8%. TLS managed a small loss, while CAR had a small loss after yesterday's results, falling 1.1%. We also saw QAN dropping 3.2% as the oil price headed higher, and both WOW and COL fell away as traders embraced more risk in the tech space. XRO rose slightly, and NXT was up as well.Meanwhile, resources did well, especially in the gold sector, with the gold miners heading higher. NEM was up 2.8% and GMD up 0.7%. BHP rose 0.7%, and coal stocks were also firm, as were uranium stocks, with PDN up 2.6% and DYL up 2.8%. WDS rose 3.8% and STO was up 5.4%.In corporate news, 360 fell 19.4% after offering no guidance, and SGH also tumbled 10.3% as the Coats business disappointed.On the economic front, the RBA kept rates on hold, as was widely anticipated, with a slight hawkish tinge. The economic team at ANZ also predicted the end of the world for housing over the next two years. The oil price continued to push higher, with the gold price coming off its highs.Asian markets were mixed, with Japan closed, Hong Kong down 0.7%, China down 0.1%, and Korea up 1%. US futures were mixed, with the Dow down 17 points and the Nasdaq up 43.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. 

Once you have learned the fundamentals of Infinite Banking and decided to put it into action, one question tends to surface almost immediately: What is the best whole life insurance company for Infinite Banking? It is a good question. The carrier you choose forms a long-term relationship, one that stays in place for the rest of your life if you keep the policy in force. https://youtu.be/QzNg3h_7tcI So let's be upfront: this article will not hand you a ranked list of the best dividend paying whole life insurance companies by name. Public comparisons between named carriers are riddled with the bias of whoever is doing the comparing, and ranking companies without knowing what you are trying to accomplish is the wrong way to do it. What you will get instead is more durable than any ranked list: the criteria to evaluate any carrier with confidence, on your own terms. Table of ContentsWhy the Whole Life Insurance Company You Choose Matters for Infinite BankingHow to Choose a Whole Life Insurance Company: The Criteria That Actually MatterCriterion 1: It Must Be a Mutual CompanyCriterion 2: Dividend History, Not Today's Dividend RateCriterion 3: Financial Strength Ratings, Used CorrectlyCriterion 4: Ease of Doing Business and Alignment With Infinite BankingThe Right Way to Compare Whole Life Insurance CompaniesWhy Working With an Infinite Banking Practitioner Changes the DecisionChoosing the Right Company Is About Fit, Not RankingsFrequently Asked QuestionsHow do I choose the best whole life insurance company for Infinite Banking?What makes a whole life insurance company good for cash value?Why doesn't The Money Advantage rank specific whole life insurance companies?Does the company have to be a mutual company?Is a mutual holding company a bad sign?Should I pick the company with the highest dividend rate?How important are financial ratings when choosing a carrier?What is the right way to compare whole life insurance companies?Does the company matter more than my own behavior? Key takeaways: This is a decades-long relationship, not a one-time purchase Look past surface numbers like illustration projections and ratings alone Four criteria matter most: mutual structure, dividend history, ratings used correctly, and ease of doing business, plus alignment Compare carriers by stress testing them, not racing their illustrations A knowledgeable practitioner adds real value on top of these criteria Why the Whole Life Insurance Company You Choose Matters for Infinite Banking With term insurance, the company mainly needs to be solvent enough to pay a claim someday. Whole life insurance built for Infinite Banking is different. You are storing capital and using the cash value throughout your life. The death benefit may not be paid for decades. If the insured survives to the policy's contractual maturity age (often age 120 or 121), the policy endows, and the value is paid to the owner. That makes this one of the most consequential financial choices you will make. It is easy to judge a company by what is easiest to see: a bigger illustration number, a higher rating than the next carrier on the list. But those numbers are effects, not causes. They are the visible result of internal factors most people never think to check. It is a bit like judging character by appearance. You are only seeing half the picture. What actually matters is whether a company can weather economic cycles and stretches of low interest rates across the entire span of your policy, not whether it looks strong today or even over the next ten years. One more thing worth sitting with: among solid, well-established mutual carriers, the differences that matter to your outcome are often smaller than people assume. Your own behavior, how consistently you fund the policy, and how you use it, tends to shape your results more than which specific company issued the contract. How to Choose a Whole Life Insurance Company: The Criteria That Actually Matter Here is how to evaluate the internal qualities that drive long-term performance. Criterion 1: It Must Be a Mutual Company This filter is non-negotiable. A mutual company, or a mutual holding company, is owned by its policyholders. When it performs well, profits are distributed back through dividends. A stock company works differently: its primary beneficiaries are stockholders, and sharing in that upside would mean owning the stock itself, not just holding a policy. For Infinite Banking, you want to be an owner. Dividends grow your cash value beyond the guaranteed rate and fund paid-up additions, which pushes the death benefit further ahead of the cash value. Because the two are designed to meet around age 120 or 121, dividends are built to compound larger over time. Do not let the word "holding" throw you off. The nuance between a mutual company and a mutual holding company matters less than you would think. What is worth knowing here is why a mutual converts in the first place. It is usually about raising capital, sometimes under regulatory pressure, but often simply to fund better systems through a merger. The better question is not whether a company converted, but why. Criterion 2: Dividend History, Not Today's Dividend Rate Resist comparing two illustrations and picking whichever shows the higher declared rate. Rates shift year to year, and the same stated rate does not mean the same thing at two companies, since how a dividend is credited to your policy is proprietary information that varies by carrier. What deserves your attention is the track record. Has the company paid dividends with discipline through the Great Recession and other hard times? The large, established mutuals in this space have paid dividends for well over 125 years, and many have never missed a payment. Resist chasing whichever company posted the single highest dividend in its history, too. A one-year spike can be propped up by other business lines entirely unrelated to your policy. What you want is stability: a company that avoids wild swings in either direction, a sign of disciplined management built to sustain performance long term. A quick aside on bonds, since this trips people up. When interest rates rise, the market value of existing long-dated bonds falls. That is real, but only if those bonds are sold. A well-run insurer simply keeps collecting the yield and lets them mature at par. Insurers manage across a hundred-year horizon, not daily headlines, which is exactly the consistency you are trying to identify. Criterion 3: Financial Strength Ratings, Used Correctly Agencies like AM Best, Fitch, and Moody's, along with composite scores like Comdex, offer an objective read on financial strength. As a rule of thumb, look for carriers in the top ten of these systems, ideally the top five. Do not stop at the letter grade. Look at the trajectory. Is the company's capital-to-asset ratio strong and improving? That signals its ability to weather economic turmoil across the full life of your policy, not just hold up well in calm markets. Criterion 4: Ease of Doing Business and Alignment With Infinite Banking This is the most overlooked criterion. A carrier can have excellent ratings and an attractive illustration and still be difficult to work with. Every insurer must allow policy loans by law, but not every insurer makes that process easy. A company with more of an accumulation mindset may be slower to process loans, harder to reach, or saddled with a clunky portal. Some carriers publish service metrics, like the percentage of calls answered within a set time, and those are worth checking. Alongside ease of doing business sits philosophical alignment. Does this carrier actively support the Infinite Banking community, or merely tolerate it? Carriers vary a lot on paid-up additions flexibility: how much you can skip in a given year, and how much you can catch up later if life gets in the way. That flexibility is worth understanding before you commit to a design. The Right Way to Compare Whole Life Insurance Companies It is tempting to pull up two illustrations and pick whichever shows the bigger number. Resist it, since chasing the higher dividend rate this way tends to mislead more than it helps. The one certainty about any illustration is that it will end up being wrong. The non-guaranteed portion extrapolates today's dividend rate forward as if it will never change. It will change. The guaranteed portion shows what would happen with zero dividends ever paid, which is not realistic for a carrier with a century-plus history of paying them. Neither column is where you will actually land. A better approach is to stress test the policy instead. What happens if dividends drop for a few years? If you miss a premium? If you skip paid-up additions for two or three years and then resume? These "life happens" questions reveal more about how a policy will perform for you than any projected number ever could, and notice how much of this still comes back to your own behavior. Why Working With an Infinite Banking Practitioner Changes the Decision Everything above is something you can evaluate on your own. That is the point. But there is real value in working alongside someone who knows this terrain well. A knowledgeable practitioner typically works with a modest number of carriers, often four to six, understanding a handful deeply rather than spreading thin. That depth matters because the nuances between carriers are hard to master at scale. A good practitioner also tends to have real relationships within these companies, which can occasionally open doors that would otherwise stay closed. The goal is not just picking a company. It is matching the right company, policy design, and professional guidance to your situation. Choosing the Right Company Is About Fit, Not Rankings ...

The ASX 200 put in another solid day, rising 44 points to 9,272 (0.5%), as the banks and gold stocks shone. We did see higher levels earlier in the session, but some of the enthusiasm was sapped by a fall in the Kospi, while BHP and RIO finished slightly mixed. CBA rose 0.9% and NAB gained 0.4%, with financials generally firmer. The Big Bank Basket rose to $299.21 (+0.6%) Insurers slipped, however, with QBE down 1.0%, while the REITs also eased, with GMG down 1.7% and SCG off 1.3%. Healthcare continued its recent strength, with CSL up 1.3% and RMD rising 0.3%.Technology had a mixed session, with WTC falling 1.5% and XRO gaining 0.4% as the sector paused for breath after recent gains. Industrials were generally firmer, while retailers had a good day, led by JBH, up 2.9%, and HVN, which rose 1.2%.In the resource sector, the gold price pushed higher again, dragging the miners with it. EVN rose 3.8% and NST added 3.2%. There was little to report in lithium, with the sector drifting slightly higher. Uranium stocks eased modestly, while coal stocks were stronger, with WHC up 2.5%. Oil and gas stocks were little changed as investors continued to wait for further developments in the Iranian talks.In corporate news, REA rose 3.4% after posting an 11% increase in revenue. AMP also had a strong session after announcing a 57% jump in half-year profit and unveiling a $150m share buyback. Meanwhile, BPT fell after reporting a 21% decline in underlying FY profit, while AQZ surged 30% before entering a trading halt as it renegotiates contracts with QAN. Nothing on the economic front today.Asian markets were weaker, with the Nikkei 225 down 0.99%, Hong Kong down 1.7%, China down 0.8%, and Korea off 4.6%. US futures were flat with the Dow up 118 points and the Nasdaq down 83. 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.

Insurers have quietly become a major driver of the private credit boom, with numerous private equity shops striking deals with insurance companies or buying them outright. But the entanglement with private credit is also changing the insurance industry itself, raising a number of questions about risk and regulation. In this week's Weekend Listen, Odd Lots speaks to Andrew Granato and Pranjal Drall, authors of a new paper, “Private Credit's State Backstop: How Private Equity Socializes Risk Through Insurers," examining the relationship between private credit and insurance. Granato (an assistant professor at the UT Austin Law School) and Drall (JD-PhD student in Financial Economics at Yale) talk to us about how PE got so interested in insurance in the first place, how both sides benefit from the relationship, and why taxpayers might ultimately be on the hook. Read more:Blue Owl Surges as Leaders Stress It’s More Than a Direct LenderAres $29 Billion Private Credit Fund Sees Uptick in Non-Accruals Only Bloomberg - Business News, Stock Markets, Finance, Breaking & World News subscribers can get the Odd Lots newsletter in their inbox each week, plus unlimited access to the site and app. Subscribe at bloomberg.com/subscriptions/oddlots Subscribe to the Odd Lots NewsletterJoin the conversation: discord.gg/oddlotsSee omnystudio.com/listener for privacy information.

Featured Guests Jeffrey Williams, Managing Director, Microsoft Global Insurance Advisory Practice Andy Welch, Product Architect, HSB Max Waddell, Head of Sales, Covenir Topics Discussed AI liability insurance Emerging AI risks and exposures Insurance coverage gaps Underwriting AI-related risks Insurance operations and automation MGA and carrier strategy AI adoption and employee enablement Claims and customer service transformation Future insurance technology trends The evolving relationship between people and AI Key Takeaways AI is creating new insurance coverage needs and exposures. Insurers are beginning to address AI-specific liability risks. Successful AI adoption requires employee education and engagement. AI should augment insurance professionals, not replace them. Insurance remains a relationship-driven industry. Organizations that thoughtfully integrate AI into workflows will gain a competitive advantage.   CIC Insurance Company Operations Want a deeper understanding of how insurance companies operate, make underwriting decisions, manage claims, and leverage technology? The CIC Insurance Company Operations course from the Risk & Insurance Education Alliance provides insurance professionals with a practical look inside carrier operations, business strategy, financial considerations, underwriting processes, and organizational decision-making. Explore CIC Insurance Company Operations and gain the knowledge needed to better understand the insurance companies you work with every day. Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.

In this episode of Future of Retirement, Jessica Hurley is joined by Ian Cahill, Head of Pension Risk Transfer at MassMutual, to explore the market forces shaping the future of pension risk transfer. He shares how changing retirement strategies, improved funded status, rising plan costs, and expanding insurer capacity are accelerating growth in the PRT market. They also discuss the increasing complexity of transactions, the importance of administrative strength and long-term alignment, and how technology and AI are helping insurers improve efficiency, evaluate opportunities, and deliver more customized client solutions in a rapidly growing space.

If you think your insurance group is moving fast enough to outpace market friction, a quick look at Ireland right now might prove otherwise. After attending the recent Transformation Summit in Dublin, I wanted to dive deeper into why global insurance groups are choosing Ireland as the premier pilot market to stress-test high-risk, high-reward business models.In my latest episode of the Tech People Podcast, InsTech.ie CEO Gary Leyden breaks down the power of a "neutral convener" architecture. By connecting 24+ competing insurers, regulators, brokers, and tech hubs under one roof, the Irish ecosystem creates an unprecedented density of collaboration.We discussed:Shifting from simple digital front-ends to deep, core enterprise architecture.Navigating rigid procurement and compliance hurdles for agile startups.Leveraging international cross-border linkages to scale localized proof-of-concepts globally.If you're an executive looking for a blueprint on industry-wide change velocity, you won't want to miss Gary's insights.#InsuranceInnovation #DigitalTransformation #Insurtech #ExecutiveLeadership

Workers' compensation insurance claims are staying open longer than ever, driving up costs and pushing more injured employees to litigate. On this episode of Critical Point, two workers' comp experts—Milliman's Stephanie Schmidt and the “Riskfluencer” Sandy Avina—unpack this trend and outline several cost-containment strategies for employers. They discuss the impact of comorbidities on workers' health and healing, why social media is making many employees wrongly assume they need a lawyer, and how nurse case managers, preferred provider networks, and return-to-work programs can help control costs while helping injured workers recover.You can read the episode transcript on our website.

The ASX 200 started the week on a strong note, up 122 points to 8,894 +1.4%), as most sectors of the market rallied hard, with the exception of oil and gas, as Trump's threat of a massive attack on Iran was wound back and US futures rallied. The banking sector was once again solid, with CBA up 1.2% and ANZ up 1.2%, with the Big Bank Basket at $291.58 (+1.2%). MQG also rallied again, and other financials were back in the green. Insurers also rose, led by QBE up 1.4%. The REIT sector was also good today, led by GMG up 3.2% and CHC up 2.8%. Industrials too had a significantly better day, with the tech sector firing for a change: XRO up 6.0% and WTC up 7.0%, with TNE rallying too, along with REA, CAR and SEK.  TLS had a good day. QAN brushed off the latest Alan Joyce novel and rose 3.6% on lower oil prices. Meanwhile, resources had a solid day: BHP up 2.1%, RIO up 2.2%, and the gold miners also doing well today. We had some corporate action with EVN bidding for CNB in a script bid. VAU also had a good day, together with CMM, on a resource upgrade. Even the lithium stocks chimed in today, with LTR up 3.4% and PLS up 2.7%. Meanwhile, oil and gas stocks WDS and STO fell around 3%, and uranium and coal stocks also a little bit easier.In corporate news, MYR fell 12.0% after it said a sharp slowdown in consumer spending late in the financial year weighed on margins. PPT had another bid from EQT of $22.50, and EVN bid for CNB. Nothing today on the economic front as we await the CPI on Wednesday.Asian markets were mixed, Nikkei 225 up 0.3%, HK up 0.8% and China 0.3% - Korea up 0.8%. US futures up 400 for Dow, 414 for Nasdaq.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.

Storm Lineberger is a fourth-year associate at global large firm Haynes Boone who practices insurance coverage litigation on the policyholder side. When an insurer denies a company's claim, he sues to recover what the policy promised. In this episode, Storm separates coverage work from insurance defense, walks through how a denied claim becomes a lawsuit, and explains why the underlying event, a refinery explosion or a hurricane, matters less than the words of the contract. He details the substantive work that falls to mid-level associates on leanly staffed cases, from drafting summary judgment motions to assessing settlement risk. The conversation also covers AI in document review and what changes when a senior associate starts managing other people. Storm is a graduate of Southern Methodist University Dedman School of Law.This episode is hosted by Katya Valasek.Mentioned in this episode:Learn more about Haynes Boone LLPLearn more about Juno and private student loansAccess LawHub today!

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley, CFA, speaks with Pramila Agrawal, PhD, CFA, senior insurance portfolio manager at Loomis Sayles, about how insurers can rethink core fixed income in a changing market environment.   They discuss the expanding role of private credit, structured products and emerging market debt, along with the importance of liquidity, scale and consistent underwriting across public and private markets. Pramila also shares how technology is becoming more integrated into portfolio construction, risk management and customized solutions for insurance investors.

In this episode of #TheShot of #DigitalHealth Therapy, Jim Joyce and I sit down with Pia Clinton-Tarestad, CEO of Clean Slate Clinic We poke at the sacred cows of legacy addiction care, the high-touch operational pipes of virtual detox, and the deep cultural stigma that keeps high-functioning corporate leaders suffering in silence. Few topics we discussed: The Anxious Overachiever Trap: Why the high-stakes, competitive "bell-curve" mechanics of consulting and corporate leadership act as a massive incubator for hidden coping mechanisms like alcohol dependence. The Fallacy of the Legacy Inpatient Stay: Why legacy inpatient rehab is highly fragmented and structurally designed for relapse, and how a continuous, 12-month virtual-first support model delivers outcomes that are an order of magnitude better. The Human-in-the-Loop Protocol: Why pure-software wellness apps and low-touch "pill-mill" virtual clinics fail, and how training a patient's immediate personal network (family & friends) creates a scalable, clinical safety net for at-home medical detox. Are we ready to stop funding highly fragmented, low-efficacy options and actually scale real, long-term behavioral recovery? Let us know your thoughts in the comments. Fun mentions as always: Peter Greaney M.D., Dave Sagar 00:00 - The Insider's Blindspot: From Deloitte Partner to Patient Number One 04:30 - The Anxious Overachiever 09:15 - Why Legacy Rehab is Designed for Relapse 15:45 - The Human-in-the-Loop Protocol: Training Family Members to help with At-Home Medical Detox 21:00 - Bypassing Legacy Codes: Proving the "Hospital Substitution" Arbitrage to Insurers 26:30 - The Pink Nails Effect: Building Trust with the Heavily Stigmatized 28:30 - The Teaser: The Million-Family Blueprint and Charging Toward the Fear

News and Updates: AI Glossary for Everyone: TechCrunch published a plain-English glossary defining essential AI terms like LLMs, tokens, hallucinations, agents, and RAMageddon, helping everyday readers keep pace with the industry's evolving vocabulary. Cyber Insurers Prioritize Speed: Insurers now evaluate how fast companies detect, patch, and recover from breaches rather than just static defenses, as AI shrinks the window between vulnerability discovery and exploitation. Big Tech Flips on AI Jobs: CEOs who once predicted massive AI-driven layoffs now emphasize job creation and productivity, with executives expecting significant headcount cuts dropping from 46% to 20%. Free AI Computing Credits War: OpenAI and Anthropic are showering startups with millions in free credits, letting some founders delay fundraising as model makers battle for future enterprise customers. Anthropic Fable Ban Lifted: The Trump administration reversed its weekslong export ban on Anthropic's Fable model, igniting fierce debate over how much the federal government should control frontier AI access. Claude Sonnet 5 Launches: Anthropic released Sonnet 5, a cheaper agentic model approaching Opus 4.8 performance with default cybersecurity safeguards, fewer hallucinations, and stronger resistance to prompt injection attacks.

In this episode of “The Standard Formula” global prudential solvency series, host Robert Chaplin is joined by colleagues Connor Williamson and Dev Jain to examine the prudential solvency regimes of Taiwan and Vietnam. Together, they explore Taiwan's capital adequacy regime under the Taiwan Insurance Capital Standard, currency risk challenges facing life insurers, market entry requirements in both jurisdictions and policyholder protection mechanisms. They also examine Vietnam's ambitious growth agenda, as well as the country's push to establish International Financial Centers in Ho Chi Minh City and Danang to attract foreign investment and become a regional financial hub.

Nicole Farley, Chief Insurance Officer of Bold Penguin explains that when facing pressure, insurers often make the mistake of collecting more data instead of first defining a clear … Read More » The post The Biggest Decision-Making Mistake Insurers Make Under Pressure appeared first on Insurance Journal TV.

Tom Troy, the Mutual Group's CEO, discusses how the organization is helping mutual insurers preserve their independence while gaining access to capital, technology modernization and AI capabilities needed to compete in a rapidly evolving market.

Northwestern Mutual just announced a record $9.2 billion dividend payout for 2026 — about a billion more than last year, and the largest three-year increase in the company's history. MassMutual is paying a record $2.9 billion, Guardian $1.7 billion, and New York Life $2.78 billion. Four of the five major mutual carriers raised their dividend interest rate again this year. The easy explanation is the one everyone gives you: rates went up, so dividends went up. It's true, and it's lazy. If that were the whole story, this would be a two-minute episode. So we went digging instead. In this one, we crack open the "general account" — the giant reservoir of patient money that sits behind every whole life policy in the country — and walk through what the investment teams are actually doing with your premium dollars. We cover the reinvestment tailwind (think of inheriting a ladder of your grandmother's CDs, where every maturing low-rate bond gets replaced at today's higher rates — slow, boring, and inevitable), why that same inertia is a feature and not a bug, and where the real yield edge comes from: private placements now approaching half of the industry's bond holdings, and the broader private-credit buildout that's become the story of the decade. We also do the thing most people skip. We make the bear case. Private-credit valuations are model-driven and haven't been stress-tested through a real recession. A handful of large carriers hold most of the exposure. Office commercial real estate is still working itself out. And there's an important line we draw on-air: the PE-owned, annuity-heavy carriers driving most of that growth are not the mutual carriers writing participating whole life — Northwestern, MassMutual, New York Life, Guardian, and Penn are a different animal. And two caveats we'll repeat because they matter: the dividend interest rate is not your policy's return — early years are dominated by acquisition costs, and an in-force illustration is the only honest read on an existing policy. And a good environment doesn't change who whole life is for. It's a stable, tax-advantaged, patient-capital sleeve within a broader plan — not a replacement for growth investing, nor a fix for a poorly designed policy. If that role fits what you're trying to do, the setup right now is about as favorable as it's been in fifteen years. Have an existing policy you're not sure about, or wondering whether whole life fits the job you're trying to fill? We're happy to talk it through — no pitch, just a straight conversation. Send us a message or book a 30-minute call.

A new Best's Market Segment Report discussed by AM Best Associate Director David Blades finds that for smaller LPL firms, the key aggregate underwriting ratios are highly variable, largely attributable to the size of most of these insurers.

Joe Feldman, Founder and President of Cover My Mental Health, joins Karen Conti to talk about how you can get your mental health care covered by insurance. Joe discusses what people should do if they struggle to access a clinician, when insurers tend to deny coverage, the importance of documenting calls and other key information when […]

Innovation in insurance is no longer just about creating entirely new products. Increasingly, the biggest opportunities lie in rethinking how existing products are underwritten, distributed and delivered.  In this episode, Robin Merttens is joined by Tom Graham, Head of Partnerships and Innovation at Chaucer, and Iryna Chekanava, Senior Innovation Underwriter, to explore how insurers can innovate without losing sight of the fundamentals. They discuss why technology alone is no longer a competitive advantage, what separates successful innovation partners from the rest and why deep customer understanding still matters more than the latest AI tool.  The conversation also looks at the changing role of underwriting, the rise of smarter follow models, why closing the protection gap remains such a difficult challenge and how innovation teams can work alongside traditional underwriting rather than in isolation.  Whether you're building an MGA, investing in insurtech or leading innovation inside an insurer, this episode offers practical insight into what insurers are really looking for and where the next wave of opportunity is emerging.   What you'll learn:  Why the next phase of insurance innovation is focused on improving existing products rather than inventing entirely new ones   Why technology and AI are becoming table stakes rather than lasting competitive advantages   The qualities insurers value most when assessing new innovation partners   How insurers balance experimentation with disciplined underwriting   Why customer understanding and distribution remain stronger differentiators than software alone   What smarter follow models could mean for the future of the London market   Why the insurance industry's biggest protection gaps remain difficult to close despite technological progress   How embedding innovation teams within underwriting creates better long-term outcomes than running separate innovation functions  Who should listen?  This episode is particularly valuable for:  Insurance innovation leaders looking to understand where carriers are investing beyond AI hype   Chief Underwriting Officers and underwriting managers exploring how innovation can improve underwriting performance without compromising discipline   MGA founders and leadership teams seeking insight into what insurers look for in long-term capacity partnerships   Insurtech founders and product leaders building solutions for the insurance market and wanting to understand what differentiates successful propositions If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn.  Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.

Willem Paling: From Messy Middles to Autonomous Agents and the Race for Trust at Scale While the insurance sector has long flirted with artificial intelligence, a vast majority of firms find themselves paralyzed in perpetual pilot phases. In this installment of Scouting for Growth, I sit down with Willem Paling, Executive Manager of AI and Analytics at IAG, to decode the transition from mere experimentation to the realization of operational AI at scale. Reflecting on IAG's aggressive deployment—launching more models in the past year than in the previous six years combined—Willem highlights that success in insurance will be anchored in trust architecture and governance rather than in model complexity alone. We unpack the friction of deploying in a regulated environment, moving beyond the "messy middle" of claims workflows toward a future of autonomous agents that enhance decision-making while ensuring human accountability remains paramount. Our dialogue ventures into the frontiers of agentic commerce, machine-readable products, and the looming challenges of AI-driven fraud. As we look toward 2030, the vision of an AI-native insurer emerges, revealing why the winners will be those who weaponize their data foundations and human-AI collaboration today to dominate the industry's next era.   Key Takeaways What stood out to me most from my conversation with Willem is that the AI race in insurance is no longer about access to models. Frontier models are becoming increasingly available to everyone. The real differentiator is the ability to operationalize AI safely, consistently, and at scale. Trust architecture, governance, monitoring, explainability, and human oversight are becoming strategic assets rather than compliance requirements. I was particularly struck by Willem's observation that the industry must stop treating AI as a series of experiments and start treating it as a core operating capability. The organizations creating value today are those that have embedded AI into business workflows, assigned clear ownership, and built repeatable deployment mechanisms that move beyond proof-of-concept thinking. Another important lesson is that the greatest near-term value lies in the “messy middle” of insurance operations. By automating document-heavy, repetitive, and semi-structured tasks, AI can free highly skilled professionals to focus on judgment, customer relationships, negotiation, and exception handling—the areas where human expertise remains essential. Our discussion also reinforced how dramatically the distribution of products may change as AI agents increasingly influence product discovery and purchasing decisions. Insurers must prepare for a world in which products must be machine-readable, API-enabled, and easily consumable by AI systems, not just by human buyers. Finally, Willem highlighted an often-overlooked challenge: AI is not only helping insurers but also empowering bad actors. AI-generated fraud, synthetic identities, deepfakes, and manipulated evidence will require stronger trust mechanisms, verification systems, and provenance controls. The insurers that thrive by 2030 will be those that invest today in trustworthy AI foundations while redesigning their organizations around human-AI collaboration.   Best Moments “This is what the messy middle actually looks like. Not the hype, not the holdouts—the insurer that stopped experimenting and started shipping.” – Sabine VanderLinden “We stopped doing experiments, and we focused on delivery.” – Willem Paling “The frontier is no longer just model capability. It's whether you can industrialize AI with trust.” – Willem Paling “Trust architecture isn't separate from value creation. Trust is what turns AI from an impressive model into something that improves insurance at scale.” – Willem Paling “We're talking about expert judgment, decision-making, critical thinking, and empathy.” – Sabine VanderLinden “The goal is not to preserve every task in the old role. It's to preserve and elevate the expertise inside the role.” – Willem Paling “The most underestimated risk is AI on the other side—AI attacking the evidence layer of insurance.” – Willem Paling “The winning insurer in 2030 will be AI-native in how it operates, not just AI-enabled in a few functions.” – Willem Paling “The companies who win the agentic frontier aren't the ones with the biggest models. They are the ones who earn autonomy instead of declaring it.” – Sabine VanderLinden   ABOUT THE GUEST Willem Paling is the Executive Manager of AI and Analytics at IAG, Insurance Australia Group, Australia's largest general insurer, operating brands including NRMA Insurance, CGU, WFI, and Swann Insurance. He leads the strategy and industrialization of AI across the organization, including production-grade systems in claims, underwriting, customer service, responsible AI governance, and human-AI teaming.  His work focuses on moving AI from experimentation into trusted execution. Willem has helped shape IAG's responsible AI commitments, supported the Australian Responsible AI Index, and contributed to the AI 2030 Horizons perspective following the ITC 2025 executive summit. His mission connects frontier capability with the governance, explainability, and operating discipline required to deploy AI safely in an industry built on customer promises. Read the latest report: The State of AI in Insurance   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

Checks still power a shocking amount of insurance money movement, and that single fact creates slow claims, higher operating costs, and an open door for fraud. Greg Myers sits down with Ian Drysdale, CEO of One Inc, to talk about what it really takes to drag property and casualty insurance payments into a modern digital payments era without breaking the workflows carriers rely on.We unpack how One Inc handles both sides of the insurance payments stack: premium payments (inbound merchant acquiring) and claims payouts (outbound disbursements). Ian shares what “scale” looks like in this vertical, from a huge vendor network that already includes the auto body shops, doctors, and lawyers insurers pay every day, to the complex edge cases that traditional payment processors rarely touch. Think mortgage endorsements after major home damage, lienholder payoffs on total-loss auto claims, and the growing need for insurer-to-insurer settlement use cases like subrogation.Fraud is a different beast in insurance, too. The risks aren't about someone buying a TV with a stolen card; they're about claims fraud, identity fraud, account takeovers, and payments getting intercepted or redirected. Ian explains how data, controls, and hands-on investigation work together to make sure claims payouts land with the right person or business, especially when payouts can run through PayPal, Venmo, push to debit, Visa Direct, and Mastercard Send.We also zoom in on the premium payment experience gap. Policyholders, especially younger ones, expect Apple Pay, Google Pay, flexible billing dates, and a frictionless mobile flow, and network tokens help reduce failed payments by keeping card credentials current behind the scenes. You'll leave with one blunt question Ian wants the industry to face: when will insurers write their last check?

The FTC just notched its second win against the biggest roll-up in anesthesia history. Welsh Carson settled first. Now USAP. So who actually won, and who pays next? Joe Rodriguez sits down with Randy Moore and Gary Keeling for the kind of conversation that usually happens at the bar after the conference, not on the record. No "where did you go to school" warm-ups. Just three operators reading the headlines everyone else is misreading. Gary drops the frame that defines the episode: this is two Goliaths at war. Private equity built 70 percent market share with borrowed money. Insurers answered with the No Surprises Act and rate cuts. Now IDR is swinging back, hospitals are eating the shortfall through subsidies, and the FTC just stepped into the ring. Anesthesia providers are standing in the middle of all of it. Then the gloves come off on the anesthesiologist assistant fight. Sixty bills in thirty years. Gary says there's enough work for everybody and braces for the hate mail. Randy makes the case that should worry every workforce planner in the country: this shortage isn't a cycle anymore, it's structural, and it's not normalizing for five to seven years. Joe closes with the contrarian bet he's making with his own money. If you book the cases, staff the rooms, or sign the subsidy checks, this episode is your briefing. Takeaways The FTC win is a settlement, not a verdict. USAP admitted no fault and the terms are still being executed. The real signal is that the roll-up playbook now carries regulatory risk that didn't exist a decade ago. The Goliath framework: insurers wanted fragmented anesthesia markets they could play against each other. PE consolidated to fight back. The NSA flipped leverage to insurers, IDR is flipping it back, and hospitals absorb every swing through subsidies. PE's debt structure is the tell. Buy with borrowed money, load the debt onto the asset, run admin on a skeleton crew, jettison through bankruptcy when it breaks. Margin expectations beyond 6 to 15 percent in a service business are the warning sign. AA legislation has a 30-year losing record. Roughly 60 attempts, 47 straight failures from 2010 to 2019, and only 5 of 40 passed in 2025 during a historic shortage. If it was going to break through, that was the year. Randy's call: the workforce shortage is structural, not cyclical. Every CRNA program is expanding cohorts and demand still outruns supply. No meaningful normalization for five to seven years. The pipeline counterweight: 147 nurse anesthesia programs with 17 more coming. Joe's on the record preparing for demand growth to slow. Cycles always turn. Gary's operator test: the 2 percent of groups with excess staff aren't lucky, they built culture and systems. Everyone else is churning providers and renting locums at whatever price locums name. Want more Dr. Joe Rodriguez? Tik Tok: @jrodcrna21 Instagram: @jrod.crna & @abouttherestpod YouTube: @AboutTheRest Thanks for my co-hosts: Randall Mooore, DNP, MBA CRNA are Executive VP of Strategy and Chief Anesthetist Officer, former AANA CEO. Gary's is VP of Anesthesia Services, Revenue Cycle Management To Learn More about Human Content Visit: ⁠⁠⁠http://www.human-content.com⁠⁠⁠ To Learn More about About The Rest Visit: www.abouttherest.com Got a Question? hello@abouttherest.com Part of the Human Content Podcast Network Learn more about your ad choices. Visit megaphone.fm/adchoices

The Tim Conway Jr. Show Hour 1 (6.22) The giant warehouse fire in Boyle Heights keeps raging for days, fueled in part by the solar panels on the roof. The crew debates who Boyle Heights is actually named after and whether it’s “Jamie” or “Haime” Moore. Tim wonders where Mayor Karen Bass was during all this — apparently at the Obama Library opening in Chicago — while the Conway family still powered through their Father’s Day garage sale under smoky skies. Mark Thompson reveals he had hand surgery with the same doctor who fixed up Steven Tyler and the guy from Men at Work. The conversation turns to who’s paying for the massive damage (solar company? Insurers? Us taxpayers?) and the jaw-dropping stat from a firefighter friend that crews have used between 13 and 18 million gallons of water so far while 85 million pounds of frozen food spoils. See omnystudio.com/listener for privacy information.

Building cross-functional teams, establishing clear decision guardrails, and providing enterprise-wide context enables insurers to make faster, more informed decisions while minimizing risk and avoiding operational blind spots. Check … Read More » The post How Insurers Can Speed Up Decisions Without Creating Risky Blind Spots appeared first on Insurance Journal TV.

Insurers use risk engineers to help customers identify and mitigate risks by assessing their operations and making recommendations for improvements. The Edge of Risk Podcast by IRMI features Peter Ukstins, head of construction risk engineering at AXA XL, in a talk that was originally presented as a snap talk at the 2025 IRMI Construction Risk Conference. Listen in to Peter's insight on how face-to-face interactions with customers throughout the lifecycle of a project allow risk engineers to gain a deeper understanding of their operations and provide more customized solutions.

In the latest episode of Skadden's global series on prudential solvency, host Robert Chaplin is joined by Skadden colleagues Stan Amoah and James Pickstock to examine the regulatory frameworks governing two of Asia Pacific's most prominent insurance markets, Hong Kong and Singapore. The discussion covers Hong Kong's transition to a three-pillar risk-based capital regime under the Insurance (Amendment) Ordinance 2023, the Greater Bay Area initiative, Hong Kong's ILS hub, Singapore's evolving RBC2 framework, the matching adjustment and market entry routes for foreign insurers, among other in-depth analysis.

Stephen Grootes speaks to Gareth Friedlander, a member of the ASISA Life and Risk Board Committee, about South Africa’s life insurance industry and what the latest claims data reveals about whether insurers are paying out when it matters most. Life insurers settled more than 94% of all death claims in 2025, paying beneficiaries R44.2 billion, but thousands of claims were still rejected due to fraud, non-disclosure, policy exclusions and unpaid premiums. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

While Generative AI is already reshaping customer service and claims, the real opportunity lies deeper in pricing, reserving, and portfolio management. Yet for most insurers, the full potential of Agentic AI remains largely untapped. In this episode, Charlie Samolcyzk, Technology Sales Lead speaks with Duncan Anderson, Global Leader, Technology to explore how Agentic AI is set to redefine the technical core of insurance, shifting not just how work gets done, but who owns decisions and how expertise is applied. Having witnessed every major technological shift in the industry, Duncan believes we are now at a genuinely unprecedented inflection point. Together, they discuss the distinction between Generative and Agentic AI and what it means for performance, capital management and competitive advantage.

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.

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.

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

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.

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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

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.

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

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

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