Podcasts about insurers

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

Jason Kaminsky, CEO, kWh Analytics, discusses how resilient renewable energy assets, built with smart design and proactive management, help insurers differentiate risk and improve coverage for extreme weather events.

On Aon — Episode 97 Risk and Resilience in the Age of Autonomous VehiclesAutonomous vehicles and self-driving technology are no longer futuristic — they're transforming how we move today. As adoption accelerates worldwide, insurers face a new set of risks and opportunities. Jillian Slyfield, Aon's global chief innovation officer and global technology and digital economy leader, joins David Carlson, global industrials and manufacturing leader, to discuss key industry partnerships and the regulatory challenges shaping ride technology. Key Takeaways:Autonomous vehicles are moving from testing phases to everyday use, creating new considerations for transportation and risk management.Insurers now face the challenge of balancing multiple forms of liability — including product, auto and cyber — as technology reshapes mobility.Data is important as both a risk and an asset. Who collects it, who owns it and how it can be used will all be key, as will balancing the privacy issues around it. Experts in this episode:Jillian Slyfield — Global Chief Innovation Officer and Global Technology and Digital Economy Leader, AonDavid Carlson — Global Industrials and Manufacturing Leader, Aon Key moments: 0:45 The autonomous vehicles (AV) sector is expanding quickly — the industry is projected to grow from just over $100 billion in 2021 to more than $2 trillion by 2030, impacting how we think about mobility, risk and insurance. 10:40 The collection of data from autonomous vehicles will lead the way to better underwriting and faster claims adjudication in insurance. However, a big unresolved issue is who owns and can access this data. 15:00 Collaboration among insurers, brokers, fleet operators, OEMs and AV tech creators is at an all-time high and is critical to managing emerging risks. Additional Resources:Article: Navigating Risk in Transportation and Logistics: Gearing Up for Big Transitions | AonReport: Findings from Aon's Global Risk Management Survey | Tenth Edition Soundbites:  Jillian Slyfield:“But coverage is changing. I wouldn't say that we need new forms of coverage, but we do need to think differently about the coverage that's in place and how to put it together in the best possible way. Sometimes we say it's like a jigsaw puzzle. Let's make sure the pieces are in the right places.” David Carlson:“The reality is people are still car enthusiasts. People love to drive cars still. That's just a reality. And so, I think in time, these things will evolve and we'll see more adoption.”

In this episode of the InsuranceAUM Podcast, DoubleLine's Andrew Hsu and Fifi Wong share their insights on building resilient insurance portfolios through asset-backed securities (ABS) and asset-based finance (ABF). With more than a decade of experience in structured products and a track record of navigating shifting market conditions, they offer a detailed look at underwriting discipline, deal sourcing, and how their approach has helped avoid high-profile credit pitfalls like recent subprime auto bankruptcies.   From the early days of FinTech-backed student loans to today's more complex private ABF opportunities in sectors like aviation and energy infrastructure, this episode explores how DoubleLine evaluates new collateral types, maintains portfolio quality, and partners with insurance investors for long-term success.   Hosted by Stewart Foley, this discussion is a must-listen for insurance asset managers, CIOs, and anyone interested in how structured credit strategies are evolving in today's uncertain environment.   Listen now and subscribe to stay current on trends in insurance asset management.

⁠⁠⁠Ilona Strong⁠⁠⁠⁠, Rebecca Huleatt and Kate Frost discuss the differing approaches taken in the Australian Capital Territory and the Northern Territory towards psychological injuries in the workplace.

Insurers have suffered after a raft of claims out of severe weather events in SE Qld and Northern NSW. MARKET WRAP: ASX200: up 0.13% to 8,617 GOLD: $4,165 US/oz BITCOIN: $140,216 CURRENCY UPDATE: AUD/USD: 65.2 US cents AUD/GBP: 49.4 British pence AUD/EUR: 56 Euro cents AUD/JPY: 102 Yen AUD/NZD: 1.14 NZ dollars See omnystudio.com/listener for privacy information.

Whistleblower Wendell Potter reveals how Medicare Advantage denies care, inflates costs, and enriches Wall Street while draining the Medicare trust fund.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

The ASX 200 gave up its strong start to close up 70 points to 8607 as the higher-than-expected CPI number took the top off things. It was a monthly number, so can be more volatile, but 3.8% was above RBA and economist's expectations. Banks were mixed with CBA steady as NAB and WBC dipped down. The Big Bank Basket rose to $266.89 (+0.1%). MQG had a good day, up 2.8% and wealth managers also pushed ahead, HUB up 1.9% and NWL up 1.3%. Insurers mildly positive, SUN up 0.8% with REITs mixed, GMG up 1.3% but elsewhere losses as bond yields pushed higher. SCG off 0.5% and CHC down 0.4%. Industrials were firm, WES up 1.9% with retail surprisingly strong, JBH up 1.0% and APE rising 1.4% with TPW crashing 32.3% on a trading update. Fast food also better, GYG and DMP doing well, Travel stocks also better, WEB up 3.4% and FLT gaining 2.3%. Tech stocks continue to stumble around, WTC down 1.2% and XRO off 0.1% with TNE falling 2.8%.  The All-Tech Index steady.In resources, iron ore stocks pushed higher, BHP up 2.0% and FMG up 2.4% with gold miners shrugging off early weakness to push higher, VAUDA did well, up 6.5% after the hedge book news, lithium stocks exploded, PLS up 7.2%and MIN up 3.0% with oil and gas better and small gains in uranium.In corporate news, Brookfield lobbed a bid for NSR at 286c. That is three bids this week. Debutante SEA rose 12.5% after a $20m IPO. EOS jumped 3.6% after a court penalty and DRO was up 8.5% again after its recent order.On the economic front, as above, the CPI was higher than expected at 3.8%. Chalmers and Bullock not happy.Asian markets were firm, although Taiwan in focus on fears of further Chinese aggression.10-year yields rose to 4.53% on CPI. AUD rose too.UK Budget today. European markets opening higher.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

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 5, Episode 40 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Navigating ERISA Disability Claims While Incarcerated."Most people assume ERISA disability benefits work the way they should: if you're disabled and can't work, your insurer will keep paying. But incarceration complicates everything. Insurers don't just review your diagnosis - they scrutinize your medical records, treatment history, and whether you're meeting every requirement for ongoing proof of disability. Missed documentation can lead to suspended or terminated benefits. In this episode, we break down the realities of managing ERISA disability benefits while incarcerated - a process full of misconceptions, unique hurdles, and insurer tactics many policyholders never expect. We start with a Minnesota farm worker whose benefits were cut off in prison, then examine a wheelchair-bound policyholder whose claim was wrongfully denied by MetLife after incarceration. These cases show how insurers interpret policy language, evaluate evidence, and where claims often derail. Finally, we turn to practical strategies: how to maintain medical documentation from inside a facility, communicate with insurers, and work with attorneys to protect your benefits before, during, and after incarceration. You'll learn that preserving ERISA disability benefits isn't just about your condition - it's about documentation, communication, and strategy. Let's dive in.In this episode, we'll cover the following topics:One - Imprisoned Minnesota Farm Worker's Symetra Benefits TerminatedTwo - Wheelchair-Bound Policyholder Wrongfully Denied by MetLifeThree - Protecting Your ERISA Disability Benefits While IncarceratedWhether 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.

A quieter day as the ASX 200 rose 12 points to close at 8537 (0.1%). Banks were in the doldrums, entering official correction territory as BEN AML issues sunk the sector, CBA dropped 1.2% and NAB off 0.1% with the Big Bank Basket down to $266.70 (0.7%).  Other financials fell, Insurers eased, QBE off 1.5% and IAG falling 1.7%. REITs drifted lower, GMG down 0.7% and VCX off 1.6%. Industrials were a little weaker, WES fell 0.8% with WOW and COL easing back, tech slid, WTC off 1.5% and TNE showing a modest 1.6% gain. The All-Tech Index up 0.8%. Resources were generally positive. BHP rose 1.0% with RIO doing well, up 2.3% and FMG gaining 2.7%. Gold miners enjoying a big jump in AUD bullion, NST up 2.0% and EVN up 3.5% with the uranium sector slightly better and lithium fighting back to square. In corporate news, DRO rose 14.6% on a ‘new' EU order, RHC jumped 12.7% after reported revenue and earnings better than expected. WEB took flight after a 72% jump in TTV and SRG romped 6.4% higher on some new contracts. VAU rose 2.2% as it unwound most of its gold hedges. BEN dropped 7.4% on AML issues.In economic news, ANZ-Roy Morgan Consumer Confidence rose slightly. Highest reading since early September.Asian markets: Japan steady China up 1.3% and HK up 0.6%. European markets set to open higher again.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

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

⁠⁠Ilona Strong⁠⁠⁠ and Angela Brookes discuss psychological injuries at work in Queensland, including what is compensable and how to defend these types of claims.

A solid start to the week with the ASX 200 up 109 points to 8525 (1.3%). Across the board gains, with US futures pointing slightly higher too. Banks were better led by CBA up 1.2% and the Big Bank Basket up to $268.55 (1.1%). Financials were generally firm, even GQG up 0.6% and SOL rising 1.8% as it joined with Genesis to make a bid for MVF at 80c. Insurers rose, QBE up 1.4% and REITs did well, GMG up 2.1% and SGP rallying 2.3%. Industrials in the green, WES up 0.2% and ALL rising 0.5% with TCL up 2.0% and RMD up 2.2% better in healthcare. CSL too had a good day. PME rose 3.5% on new orders in America.  TLS rose1.9 % and REA up 1.9%. Resources were mostly better, BHP up 0.6% with its on/off bid for Anglo, RIO rose 1.1% and FMG up 1.9%. Lithium stocks gave back some recent gains, MIN down 3.2% and PLS down 3.6% with gold miners up, GMD up 1.3% and rare earths also doing better. Oil and gas stocks slid on crude falls, WDS down 1.3% and uranium stocks slightly better.In corporate news, QUB were approached by Macquarie with a 520c NBIO whilst MVF rose 44.3% on a 80c bid. MYX returned to trade after the Treasurer knocked back the Cossette bid. DRO rose 1.8% after some more news on the recent share sales and a new US MD. IRE soared 8.0% before a trading halt concerning continuous disclosure.Asian markets weaker with Japan closed for a holiday, China down 0.6% and HK up 1.4%.European markets set to open higher again.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Texas homeowners face shocking $1K water bills, Crenshaw receives a travel ban, Neil Aquino weighs in on democracy, and a report exposes the GOP's healthcare scheme, enriching insurers.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Three of Japan's four major life insurance companies enjoyed insurance premium income growth in April-September, their earnings reports have shown.

Thank you Steven Rosenzweig, Marg KJ, LBW, Judy, and many others for tuning into my live video! Join me for my next live video in the app.* Marjorie Taylor Greene Explodes at Trump While Demanding Full Epstein File Release: MTG shocks Washington as she calls Trump a traitor and stands with Epstein survivors demanding full release of the files—shattering MAGA uni… To hear more, visit egberto.substack.com

On Aon — Episode 96Opportunities in a Changing Market — What Risk Buyers Need to Know November 20, 2025420 words … about a minute readWhat's new: In the latest episode of On Aon, Global Chief Broking Officer Cynthia Beveridge and Global Chief Claims Officer Mona Barnes discuss emerging trends in the commercial risk market as it heads towards the January renewals period. They discuss how the market is becoming increasingly fragmented and explain the factors driving recent developments in claims, including heightened natural catastrophe exposures, macroeconomic and geopolitical pressures, rising cyber ransomware incidents and adverse litigation trends currently unfolding in the U.S.Experts in this episode:Cynthia Beveridge — Global Chief Broking Officer, Commercial Risk, AonMona Barnes — Global Chief Claims Officer, Commercial Risk, AonKey Takeaways:As organizations approach January renewals, they must adapt to a fragmented and rapidly evolving insurance market by reviewing and strengthening their risk programs.Despite generally favorable pricing, risk buyers face rising claims complexity and costs driven by natural catastrophes, inflation and adverse litigation trends.Success in today's environment depends on close collaboration with claims advocates and leveraging insurer performance data to build resilient strategies for emerging risks.Key moments:(2:01) Insurers are generally growth-focused, competing aggressively and are looking to differentiate themselves through pricing, terms and risk improvement support.(4:17) Natural catastrophes, increasing ransomware severity, macroeconomic pressures and adverse litigation trends are shaping claims trends.(8:48) The growing availability of data and alternative sources of capital such as parametric, captives, catastrophe bonds, multiyear structured and facultative solutions are helping clients.Soundbites:Cynthia Beveridge“Capacity has increased across much of the market during 2025. It's flowing in from both traditional insurers and the reinsurance market, but notably it's fragmented. While most placements can achieve full tower limits, the towers are really compromised. It's comprised of more insurers and more segments.”Mona Barnes“Claims inflation is contributing to increasing costs of everyday items as companies are looking to recoup losses by raising prices on all items, including food, housing and medical care — as well as insurance.”Listen for more: The “On Aon” podcast is available on Spotify, Simplecast and Apple Podcasts (iTunes)More Like This:Q3 2025: Global Insurance Market OverviewAon's Global Risk Management SurveyCyber and E&O: Pricing Holds, but Market Momentum is Shifting4 Strategies to Navigate Insurance Claims TrendsOptimizing Your Property Program: How to Use a Soft Market to Build Resilience

Two of Japan's three major nonlife insurance companies have reported larger consolidated net profits than a year before in the first half of fiscal 2025.

The No Surprises Act wasn't about patients. The fine print told a different tale: it was an insurer-protection law.

Aon's Brent Rieth discusses the ripple effects of the Cyber Information Security Act (CISA) not being renewed, warning that insurers now face a major data gap in assessing … Read More » The post EP. 109: The Future of Cyber Risk Without CISA: How Insurers and Businesses Can Adapt appeared first on Insurance Journal TV.

Aon's Brent Rieth discusses the ripple effects of the Cyber Information Security Act (CISA) not being renewed, warning that insurers now face a major data gap in assessing … Read More » The post EP. 109: The Future of Cyber Risk Without CISA: How Insurers and Businesses Can Adapt appeared first on Insurance Journal TV.

Aon's Brent Rieth discusses the ripple effects of the Cyber Information Security Act (CISA) not being renewed, warning that insurers now face a major data gap in assessing … Read More » The post EP. 109: The Future of Cyber Risk Without CISA: How Insurers and Businesses Can Adapt appeared first on Insurance Journal TV.

The ASX 200 started positively to fade to a loss of 21 points to 8454 (0.3%). Banks showed weakness with more slippage as the Big Bank Basket fell to $264.08 (-1.3%) CBA off 1.3% and ANZ down 2.0%. MQG continues to slide, down 1,4% and HUB off 1.1%. GQG is enjoying a rare moment in the sun, up 9.1% as it is pursuing an anti-AI tilt. Insurers eased, REITs were slightly firmer, GMG bouncing back 1.1% and VCX up 2.0%. Industrials were mixed again, ALL up 0.8% and LNW gaining 4.4%. Retailers fell, TPW down another 2.3%. GYG continues to suffer, off 4.3%, DMP down 0.2% as the shorts move back in. Tech found some bargain hunters, WTC up 0.4% and TNE stumbling around. Unchanged in the end. In resources, we saw a rebound in BHP and FMG, gold miners were back with bullion up to $6280 and EVN up 2.0% with GMD up 2.9%. Lithium stocks paused, rare earth stocks rose, Oil and gas stocks rose, WDS up 1.2% and uranium stocks modestly better. In corporate news, DRO, down 19.6%, shot out of the air as its US head left in a hurry. WJL got a 90c NBIO offer from Helloworld, NUF soared 10.8% on stronger guidance and KMD rose 2.1% on Q1 sales.In economic news, wage growth came in as expected at 3.4%. Asian markets quietly mixed with Japan up 0.1%, China up 0.2% and HK down 0.5%.European markets set to open weaker.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

A nasty start to the day accelerated to a loss of 167 points (-1.9%) on the ASX 200 as RBA minutes and US futures took us down. The big three sectors were hit hard with the iron ore miners smacked. BHP off 3.7% on UK court ruling and RIO off 2.7% with FMG falling 2.0%. Energy stocks also slipped, WDS down 1.9% with STO off 0.6% and uranium stocks under pressure. Gold miners too sold off as bullion slipped, NST down 5.6% and EVN down 5.2% with lithium the only sector that saw any green. PLS up 3.3% and LTR up 2.1%. Banks were also sold down hard, WBC fell 3.0% and CBA down 1.7% with the Big Bank Basket falling to $267.54 (-1.8%). Financials also in the seller's sights, NWL fell 6.2% and MQG off 1.7%. Insurers fell, QBE down 1.4% and REITS under pressure too. GMG off 3.0% as a tech play on data centres. Industrials saw across the board selling, WES fell 1.2% and REA off 2.4% with CAR falling 3.2% as TLS down 0.2%. Tech stocks were decimated after TNE disappointed, off 17.2% despite a special dividend. WTC fell 4.6% and XRO tumbled 3.3% with the All-Tech Index down 4.3%. In corporate news, JHX rallied 9.9% on better-than-expected results, AGM's dominated. BSL fell 1.7% on EBIT to land at the bottom of guidance range. CAT tested a life with a 11.7% fall on a growth rate of 19%. ALQ fell 2.9% on better numbers. PLT was a rare bright spot after a jump in first half profits, up 6.8%. On the economic front, RBA minutes took rate cuts off the table. Australian consumer confidence rose 0.7% too.  Asian markets weaker with Japan down 2.9%, China down 0.3% and HK off 1.6%.European markets set to open weaker.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Nancy Mueller Handal, Chief Investment Officer of Insurance Asset Management at Bayview Asset Management, shares her insights on how insurers can pursue alpha through residential loans and asset-based finance. With extensive experience in structured credit, Nancy explains why residential whole loans can be a strong fit for insurance portfolios when managed with discipline and precision. She discusses the capital efficiency of the asset class, the appeal of agency-eligible and non-QM loans, and the role of thoughtful underwriting in mitigating risk.   The discussion also covers the evolution of the residential credit market, the importance of robust data and infrastructure, and the risks that come with layered credit and valuation gaps. Nancy outlines how Bayview's platform approaches sourcing and portfolio construction at scale, and why residential loans can provide diversification and long-term value when approached with a careful, insurer-aligned strategy.

⁠Ilona Strong⁠⁠ and Andrew Stamp outline two hypothetical scenarios and explore how Victorian law deals with psychological injuries at work.

Payments might be the least glamorous part of insurance — but they're one of the most powerful levers for customer experience, efficiency, and competitive advantage.In this episode of Building Tomorrow's Insurer, Nigel Fellowes-Freeman sits down with Ed Wiley (Head of Growth, Monoova) and David Greene (Chief Commercial Officer, Monoova) to unpack one of the most overlooked transformation opportunities in insurance: how money actually moves.Monoova's team has spent decades reshaping payment infrastructure across industries. Today, they break down what insurers need to know — and what they can learn from more advanced sectors like e-commerce, utilities, and cross-border payments.In this episode:Why insurance payments are “stuck in the '90s”How real-time payments (NPP & PayTo) unlock instant customer delightThe hidden cost of direct debit — and why BECS deprecation makes change unavoidableWhat e-commerce can teach insurers about conversion and checkout journeysAutomating reconciliation: the 5% problem that drives 95% of customer complaintsHow partners can help insurers modernise without multi-year transformationThe future of payments: ubiquity, automation, and AI-enabled money movementWhether you're an insurer, an underwriter, or an insurtech founder — this episode gives you a clear view of where payments are heading, and why the next five years will redefine how premiums and claims flow.

In October, stakeholders representing an unusual combination of sectors — public, private, academic, non-profit and journalism — gathered with insurance industry experts at the 10X Convergence in Jacksonville, Florida, to explore solutions to unsustainable insurance and disaster recovery costs throughout the Interstate 10 region.Insurers continue to cancel homeowners policies across California, Texas, Louisiana, and Florida as exposure to accelerating billion-dollar disasters undermines carriers' ability to pay out claims while remaining solvent. The industry crisis has begun to spread northward, where a widening Tornado Alley sees growing impacts from property-damaging storms.  This is a complex, all-hands-on-deck issue. Insurance practices and building standards have not adapted to the realities of climate change, and have neglected potential to be of powerful mutual support to one another. On the whole, 10X Convergence participants were clear that viable solutions will require a combination of applied climate and economic research with proactive governance and communications strategies, and that this must be matched by industry willingness to innovate its systems of underwriting and community development.  In this podcast, Ten Across journalists Maya Chari and Taylor Griffith take you through the problems and potential solutions discussed by the diverse group of experts at the 10X Convergence.  Relevant Articles and Resources  VIDEO: 10X Convergence Event Wrap Up  “It's harder to get home insurance. That's changing communities across the U.S.” (NPR, November 2025)  “They survived the hurricane. Their insurance company didn't.” (Grist, November 2025)  “Insurance for Physical Climate Risk Management: Lessons from History” (Carnegie Endowment for International Peace, August 2025)  “Next to Fall: The Climate-Driven Insurance Crisis is Here—And Getting Worse” (Senate Budget Committee, December 2024)  Relevant Ten Across Conversations Podcasts  The Future of Insurability: New Approaches and Mindsets Carolyn Kousky on Using Insurance Models to Drive Positive Change  Checking in with Dave Jones on California's Insurance Outlook  CreditsHosts: Maya Chari and Taylor GriffithProducer and editor: Taylor GriffithMusic by: Out To The World, Marten Moses, Lennon Hutton, and Pearce RoswellResearch and support provided by: Duke Reiter, Kate Carefoot, Rae Ulrich, and Sabine Butler  Guest Bios (in order of appearance):  Steve Bowen is the Chief Science Officer and meteorologist at Gallagher Re.  Adam Reeder is a civil-structural engineer and principal investigator at CDM Smith.  Juliet Rogers is the president of Blue Cottage at CannonDesign.  Laura Phillips-Edgecombe is the duPont Fund principal for public spaces and executive on loan to the City of Jacksonville, Florida.  Clint Noble is a member of the City of Jacksonville Environmental Protection Board and professional geologist with CDM Smith.  Dr. Quinton White is founding executive director of the Marine Science Research Institute and professor emeritus at Jacksonville University.  Alex Harris is the lead climate reporter for the Miami Herald.  Pete Nelson is the communications director for the Gulf Research Program at the National Academies of Sciences, Engineering, and Medicine.  Dave Hondula is the director of the Office of Heat Response and Mitigation at the City of Phoenix.  Casi Callaway is the founder and president of Activate Build Connect.  Eric Corey Freed is the director of sustainability at CannonDesign.  Sarina Beges is the associate director of philanthropy and social innovation at the Aspen Institute.  Ashantae Green is the sustainability manager for the City of Jacksonville, Florida.

Stephen Grootes interviews Vincent Anthonyrajah, CEO of Differential Capital, and Hlelo Giyose, Chief Investment Officer at First Avenue Investment, to unpack how South African insurers generate profits and whether they present a compelling investment opportunity. 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.

If you thought getting home insurance was tough enough nowSee omnystudio.com/listener for privacy information.

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This time on Code WACK! Why can working as a doctor in America feel like being on a battleground? What questionable tactics are insurance companies using? How are they affecting patients and physicians alike? And when coverage is denied, what can patients do? (See Helpful Links below for tips on appeals.) To find out, we recently spoke with Dr. Erica Rowe Urquhart, a private practice orthopedic surgeon in northern New Jersey. A Harvard-trained biomedical engineer with an MD and PhD from Johns Hopkins, Dr. Urquhart is the author of the forthcoming book The Invisible Hand Wielding the Scalpel: Paying the Price in America's Fractured Healthcare System. This is the first episode of a two-part series. Check out the Transcript and Show Notes for more! And please keep Code WACK! on the air with a tax-deductible donation at heal-ca.org/donate.

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

This time on Code WACK! Why can working as a doctor in America feel like being on a battleground? What questionable tactics are insurance companies using? How are they affecting patients and physicians alike? And when coverage is denied, what can patients do? (See Helpful Links below for tips on appeals.) To find out, we recently spoke with Dr. Erica Rowe Urquhart, a private practice orthopedic surgeon in northern New Jersey. A Harvard-trained biomedical engineer with an MD and PhD from Johns Hopkins, Dr. Urquhart is the author of the forthcoming book The Invisible Hand Wielding the Scalpel: Paying the Price in America's Fractured Healthcare System. This is the first episode of a two-part series. Check out the Transcript and Show Notes for more! And please keep Code WACK! on the air with a tax-deductible donation at heal-ca.org/donate.

SPRINGFIELD — State Senator Michael E. Hastings advanced legislation designed to protect homeowners from excessive insurance rate increases and ensure fairness, transparency and accountability in Illinois homeowners insurance. "With this legislation, we are putting fairness and accountability back into the system," said Hastings (D-Frankfort). "Here is what this means for Illinois homeowners — no more surprise renewals, no more fine print, no more ‘gotcha' letters in the mail.” The legislation would establish clear rules for homeowners insurance, including: No surprise renewals: Companies would be required to give at least 60 days' notice before nonrenewal and at least 60 days' notice for premium increases over 10% or changes in coverage or deductibles. Use of Illinois-specific data: Insurers would need to use credible state-specific loss experience when setting rates. Fair, reasonable and transparent rates: Rates would need to be actuarially sound and not excessive, inadequate or unfairly discriminatory. Accountability and enforcement: The Department of Insurance would be able to review filings, issue orders and require rebates when rates are found unfair. The legislation would apply specifically to fire and extended coverage insurance for residential owner occupied properties, while excluding commercial, rental and unoccupied properties. Hastings emphasized the legislation is leveling the playing field for Illinois residents. "We are tired of the industry cherry picking data from across the country when setting their rates,” said Hastings. “This legislation guarantees homeowners a fair shake, with rates based on real Illinois data." House Bill 3799 passed the Senate on Thursday.

This time on Code WACK! Why can working as a doctor in America feel like being on a battleground? What questionable tactics are insurance companies using? How are they affecting patients and physicians alike? And when coverage is denied, what can patients do? (See Helpful Links below for tips on appeals.) To find out, we recently spoke with Dr. Erica Rowe Urquhart, a private practice orthopedic surgeon in northern New Jersey. A Harvard-trained biomedical engineer with an MD and PhD from Johns Hopkins, Dr. Urquhart is the author of the forthcoming book The Invisible Hand Wielding the Scalpel: Paying the Price in America's Fractured Healthcare System. This is the first episode of a two-part series. Check out the Transcript and Show Notes for more! And please keep Code WACK! on the air with a tax-deductible donation at heal-ca.org/donate.

Vital need for insurance to bridge the region’s ‘protection gap’ and drive the green transition. Synopsis: Every first and third Tuesday of the month, The Straits Times analyses the beat of the changing environment, from biodiversity conservation to climate change. Insurance is a safety net and is increasingly vital as climate change risks grow and as more people, homes and businesses are in the path of disaster. But in South-east Asia, the majority of people do not have access to insurance. And the region is facing worsening threats from floods, sea-level rise and heat stress. Only 5 to 7 per cent of all climate-related losses are insured in South-east Asia, says Mr Daniel Fairweather, head of food security systems and biodiversity at Howden, an insurance broking firm. But there is plenty of hope to bridge this “protection gap”, he tells Green Pulse podcast hosts Audrey Tan and David Fogarty. There are insurance products that can help communities when disaster strikes by rapidly releasing cash payments to meet emergency needs. Mutualised insurance risk pools that combine premiums can also pay out in times of need. Two things are key: Insurers need to work closely with governments and businesses to better assess climate risks and vulnerabilities. Secondly, spread the financial risk by building connections across the region, such as linking up local and national insurance mechanisms, such as risk pools. “Every risk is insurable,” Mr Fairweather says, adding that insurance coverage is also critical to accelerate green investments in the region. Have a listen, and let us know what you think! Highlights of conversation (click/tap above): 1:04 What are some of South-east Asia’s top climate change risks? 4:51 Will insurance losses increase mainly because of climate change or for other reasons, too? 9:10 What are some of the insurance products that can protect communities in the region? 16:06 In some places in the US, insurance coverage has been withdrawn. What’s the reason for this? 24:28 What about the role of insurance in boosting green initiatives in South-east Asia. Is it a catalyst? 28:28 Can the insurance industry thrive despite the rapid march of climate change? Follow Audrey Tan on LinkedIn: https://str.sg/848W Read her articles: https://str.sg/JLM2 Follow David Fogarty on LinkedIn: https://str.sg/jcvy Read his articles: https://str.sg/JLMu Hosts: Audrey Tan (audreyt@sph.com.sg) & David Fogarty (dfogarty@sph.com.sg) Produced and edited by: Hadyu Rahim Executive producers: Ernest Luis & Lynda Hong Follow Green Pulse Podcast here and get notified for new episode drops: Channel: https://str.sg/JWaf Apple Podcasts: https://str.sg/JWaY Spotify: https://str.sg/JWag Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #greenpulseSee omnystudio.com/listener for privacy information.

Vital need for insurance to bridge the region’s ‘protection gap’ and drive the green transition. Synopsis: Every first and third Tuesday of the month, The Straits Times analyses the beat of the changing environment, from biodiversity conservation to climate change. Insurance is a safety net and is increasingly vital as climate change risks grow and as more people, homes and businesses are in the path of disaster. But in South-east Asia, the majority of people do not have access to insurance. And the region is facing worsening threats from floods, sea-level rise and heat stress. Only 5 to 7 per cent of all climate-related losses are insured in South-east Asia, says Mr Daniel Fairweather, head of food security systems and biodiversity at Howden, an insurance broking firm. But there is plenty of hope to bridge this “protection gap”, he tells Green Pulse podcast hosts Audrey Tan and David Fogarty. There are insurance products that can help communities when disaster strikes by rapidly releasing cash payments to meet emergency needs. Mutualised insurance risk pools that combine premiums can also pay out in times of need. Two things are key: Insurers need to work closely with governments and businesses to better assess climate risks and vulnerabilities. Secondly, spread the financial risk by building connections across the region, such as linking up local and national insurance mechanisms, such as risk pools. “Every risk is insurable,” Mr Fairweather says, adding that insurance coverage is also critical to accelerate green investments in the region. Have a listen, and let us know what you think! Highlights of conversation (click/tap above): 1:04 What are some of South-east Asia’s top climate change risks? 4:51 Will insurance losses increase mainly because of climate change or for other reasons, too? 9:10 What are some of the insurance products that can protect communities in the region? 16:06 In some places in the US, insurance coverage has been withdrawn. What’s the reason for this? 24:28 What about the role of insurance in boosting green initiatives in South-east Asia. Is it a catalyst? 28:28 Can the insurance industry thrive despite the rapid march of climate change? Follow Audrey Tan on LinkedIn: https://str.sg/848W Read her articles: https://str.sg/JLM2 Follow David Fogarty on LinkedIn: https://str.sg/jcvy Read his articles: https://str.sg/JLMu Hosts: Audrey Tan (audreyt@sph.com.sg) & David Fogarty (dfogarty@sph.com.sg) Produced and edited by: Hadyu Rahim Executive producers: Ernest Luis & Lynda Hong Follow Green Pulse Podcast here and get notified for new episode drops: Channel: https://str.sg/JWaf Apple Podcasts: https://str.sg/JWaY Spotify: https://str.sg/JWag Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #greenpulseSee omnystudio.com/listener for privacy information.

Have you heard? The definition of Short-Term Limited Duration Insurance has changed. We unpack what it means for insurance agents!   Read the text version  

Professors Patricia Born and Dana Telljohann discuss a Florida State University study on how insurers adjust coverage, filings, and regulatory engagement in response to severe natural disasters, highlighting implications for market stability, policyholders, and the evolving risks of climate change

#podcast #politics #progressive #Democrats #Michigan #WilliamLawrence #TomBarrett #Congress #Election2026 #Trump #Republicans #MAGA #GovernmentShutdown #WorkingClass #CleanEnergy #Jobs #Economy #HealthCare #Affordability #CorporateGreed #CorporateCorruption #GovernmentCorruption #JohnJames #Gaza #Authoritarianism #Democracy #LeftOfLansing Here's Episode 154 of Michigan's Premier Progressive Podcast! 00:00-15:49: James No-Show/MAGA Shutdown/Detroit Elections Pat Johnston opens this week's show on MAGA Republican Gubernatorial Candidate John James' refusal to appear at a Republican debate this week. And that's not a big change considering how Congressman James refuses to hold town halls! James supports the Trump Regime/MAGA Republican Government Shutdown that's hurting working class Americans. And Pat concludes the segment talking about some important races in the City of Detroit, including the chance to elect Democratic Socialist Denzel McCampbell on the City Council. 15:50-41:00: William Lawrence For Congress Interview Progressive Democratic candidate for Michigan's 7th Congressional District, William Lawrence, joins the show to talk about his working class campaign. Mr. Lawrence is working to unseat MAGA Republican Congressman Tom Barrett. He shares his progressive activist background in affordable housing and climate change, and why he wants to unite the working class to gain economic security for Michigan families. To learn more about William Lawrence's campaign and plans to uplift the working class, visit his campaign site.  41:47-48:04: Last Call-"Israel-First" Republicans In the Last Call, Pat calls-out some MAGA Republicans who are showing more loyalty towards Israel's right-wing government than they do for working class Americans. And shout-out to Michigan Progressive Democratic State Rep. Dylan Wegela for speaking the truth! 48:05-50:54: Ending Please, subscribe to the podcast, download each episode, and give it a good review if you can! leftoflansing@gmail.com Left of Lansing is now on YouTube as well! leftoflansing.com NOTES: William Lawrence Campaign Site "Lansing activist joins the Democratic fray for Michigan's 7th Congressional District." By Erick Diaz Valiz of Michigan Advance "Progressive activist William Lawrence the latest to launch campaign to run in 7th Congressional District race." By Anna Busse of Michigan Public Radio "Is Denzel McCampbell Detroit's Zohran Mamdani?." By Malachi Barrett of Bridge Detroit "Michigan health care woes: Insurers leaving, rates rising, subsidies in limbo." By Eli Newman of Bridge Michigan "Michigan House committee continues to probe Gotion after state pulls funding support." By Kyle Davidson of Michigan Advance "Aging Members of Congress Refuse to Disclose Details of Their Top Secret Hospital." By Daniel Bogulslaw of The American Prospect "New Poll: Michiganders More Aligned with Global Consensus Than U.S. Government on Gaza." By Progress Michigan "5 reasons we endorsed Mary Sheffield for Detroit mayor | Opinion." By The Detroit Free Press Editorial Board "Michigan's attorney general, Lansing mayor call for court action to halt decision pausing SNAP." By Katherine Dailey & Ben Solis of Michigan Advance

Johnson Lambert's Chief Innovation Officer Dave Fuge explained how insurers can strengthen data quality, redesign workflows, and balance innovation with governance to fully harness the power of AI.

Craig Martin, executive director, insurance intelligence, J.D. Power, discusses findings from a 2025 Independent Agent Satisfaction Study showing despite an improving market, many agents feel underserved by carriers, citing poor communication, unclear risk appetites and a lack of partnership.

 In this episode, Jakob Emerson, Associate News Director at Becker's Healthcare,  discusses the financial struggles facing regional nonprofit insurers, the growing dominance of national payers, and the Trump RX initiative aimed at lowering prescription drug and fertility treatment costs.

Subscribe to UnitedHealthcare's Community & State newsletter.Health Affairs' Rob Lott interviews Matthew Maughan of Brown University about his paper exploring how commercial insurers paid more for procedures at hospital outpatient departments as compared to ambulatory surgical centers. Order the October 2025 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcast Subscribe to UnitedHealthcare's Community & State newsletter.

 Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2025Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityMake sure you mention: CTISUMMER to get FREE data migration!If you're ready to make a real change in your shop's success, join Shop Marketing Pros' Plan With the Pros workshop this October to connect with them and other shop owners. You'll leave with your entire year for 2026 planned out. Click here to register: https://geni.us/PlanWithTheProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Ken Miller, owner of 821 Collision and president of AASP New Jersey. Ken outlines the ongoing challenges faced in the collision repair industry, stressing the relentless pressure from insurance companies and their impact on repair quality. He shares a chilling story about uncovering dangerously incomplete repairs on a nearly new vehicle, emphasizing the importance of thorough inspections and documentation. The conversation also explores the increasing overlap between collision and mechanical shops, driven by the complexities of ADAS systems and the need for greater collaboration and education in both fields.00:00 Insurance Challenges Undermine Auto Repair05:09 Tampered Seat Belt System Detected08:00 Post-Collision Inspection Basics12:45 Car Repair Struggles and Inspections13:26 Car Imperfections and Concerns16:43 Professional Responsibility Irrefutable20:29 Insurers' Auto Settlement Practices24:50 Researching Title 17 Regulations28:22 CEO-Employee Pay Gap Concerns32:29 Dispute Over $40K Repairs36:36 Calibration and Liability in Auto Repairs40:22 Reluctance in Auto Repair Challenges42:08 Insurance Companies' Calibration Dispute46:44 Licensure Tied to I-CAR Accreditation50:01 "Advanced Auto Tools Misjudged"51:44 Challenges in Training and Labor Rates55:46 Expanding Mechanical Team in NJ58:14 Enhancing Mechanical Show Value

More resources? ----------------------- Watch Full Episodes in my YouTube channel! https://youtube.com/@drtjahn ---------------------- Get Your Free Copy of my book, "Podiatry Profits Book: Crafting A Seven-Figure Lifestyle Practice" to grow your podiatry practice. You just cover the shipping: https://www.podiatryprofitsbook.com ---------------------- Do you want to build your dream private practice without the hassles of insurance networks? Then schedule a FREE 45-min Strategy Session with me. We will dive to look at your current practice and I will provide you with a crystal game plan for you: https://drtjahn.com/the-profit-accelerator-session/ ---------------------- I've created this EXCLUSIVE Private Facebook Group community of like-minded podiatrists who are coming together to build their DREAM PRIVATE PRACTICE, and FREE to join!! https://www.facebook.com/groups/podiatryprofits

Chuck Zodda and Mike Armstrong discuss the stunning drop in markets in reaction to President Trump's tweet about China and canceling a meeting with President Xi. Tripp Mickle (New York Times) joins the show to talk about Intel's big bet. Insurers prepare for wave of First Brands claims. Americans are falling behind on their car payments. Paul LaMonica (Barron's) stops by for a chat about Gemini's first few months on markets.

SummaryThis conversation explores the emerging field of Bitcoin insurance, highlighting the innovations and challenges faced by industry leaders. The panel discusses the differences between life and property insurance in the context of Bitcoin, the evolution of custody and underwriting practices, and the future of Bitcoin as a financial product. Key insights include the importance of collaboration in the insurance industry, the need for innovative risk management solutions, and the potential for Bitcoin to transform traditional insurance practices.SummaryThis conversation explores the emerging field of Bitcoin insurance, highlighting the innovations and challenges faced by industry leaders. The panel discusses the differences between life and property insurance in the context of Bitcoin, the evolution of custody and underwriting practices, and the future of Bitcoin as a financial product. Key insights include the importance of collaboration in the insurance industry, the need for innovative risk management solutions, and the potential for Bitcoin to transform traditional insurance practices.TakeawaysBitcoin insurance is an emerging field with significant potential.Life insurance and property insurance have different underwriting challenges in Bitcoin.The insurance industry is lagging behind banking in adopting new technologies.Collaboration among insurers is crucial for developing effective standards.Bitcoin's programmability offers unique opportunities for insurance products.Custody solutions must evolve to meet the needs of Bitcoin holders.Innovative risk management practices are essential for the future of Bitcoin insurance.Bitcoin-denominated insurance products can provide tax benefits to policyholders.The regulatory landscape for Bitcoin insurance is complex and evolving.The integration of blockchain technology can improve operational efficiencies in insurance.Chapters00:00 Introduction to the Panel Discussion01:22 Innovations in Bitcoin Insurance04:08 Understanding Risk in Bitcoin Custody06:52 The Evolution of Insurance Standards09:59 The Role of Technology in Insurance12:42 Bitcoin Denominated Insurance Products15:48 The Future of Insurance in a Bitcoin World18:38 Closing Thoughts and Q&A30:08 bp-introoutro_v2.mp4

For the first time, our senior producer, Emily, has to sign up for Obamacare. And it turns out, it’s one heck of a year to do that. A recent headline from KFF Health News reads: “Insurers and customers brace for double whammy to Obamacare premiums.” We break down what those “whammies” might mean in dollars and cents for Emily and the millions of others signing up for Obamacare in 2026. Plus, we cover what’s happening with ACA navigators – the people charged with helping you sign up for Obamacare, and what to expect in November when open enrollment kicks off. Learn more about what’s coming in 2026 in our First Aid Kit newsletter. Check out KFF’s Obamacare premium calculator. Learn whether your state funds its own navigator program. Read a transcript of this episode. Send your stories and questions! Or call 724 ARM-N-LEG. Of course we’d love for you to support this show.See omnystudio.com/listener for privacy information.