Aaron Hillebrandt, principal and consulting actuary, Pinnacle Actuarial Resources, said diversification of risk is important—and a great strategy.

In his book, Claims-Made Insurance: The Policy That Changed the Industry, Fisher Consulting President Frederick Fisher explores the intricacies of claims-made policies, offering a comprehensive guide to their evolution, components and challenges.

John Lopes, executive vice president, Nationwide Alternative Ventures and Emerging Markets, said that given the size and scope of the company, Nationwide is one of the most diversified carriers in the U.S.

Wai Tang, senior director, and Matt Tuite, director, both of AM Best, discuss a new Best's Special Report that finds ILS capacity reached a record high in 2024, as did issuance of 144A natural catastrophe bonds.

Suzanne Williams-Charles, CEO of Bermuda International Long-Term Insurers and Reinsurers, discusses how the island is balancing robust regulation with innovation in life and annuity markets.

While cyber is becoming more of an operational risk, increased severity trends and emerging technologies such as AI are raising concerns, said Ziad Kubursi, head of Financial & Executive Liability, Hartford Financial.

Justin Hakes, senior vice president of public affairs, National Association of Mutual Insurance Companies, discusses the success of the Insurance Uncovered podcast, its role in delivering key industry insights, and how it keeps members informed on pressing insurance issues.

Rapid premium rate increases, coupled with pockets of higher reinsurance pricing, also expands the need for higher capital, said Jason Hopper, associate director, AM Best, discussing a new Best's Special Report.

AM Best Director Edward Kohlberg highlights a new Best's Market Segment Report that determines that economic conditions, regulatory frameworks and engaging products will reshape the future of the Life/Annuity market.

David Meinen, CIO at SIAA, discusses how artificial intelligence, predictive analytics, and high-quality data are revolutionizing independent insurance agencies, enabling them to enhance customer relationships, improve underwriting, and drive business growth in an increasingly competitive market.