Raju Seetharaman, technology chief, Legal & General America, discusses how AI, data analytics and digital innovation are transforming life insurance by streamlining underwriting, empowering agents and expanding access for customers with complex health profiles.

Climate risk, supply chain and geopolitical risk continue to be major concerns, said Christopher Majka, staff vice president of data visualization, FM. He noted that proprietary cybersecurity data has been introduced into the index this year.

Neil Sprackling, CEO of Life and Health Re US at Swiss Re, explores how breakthroughs in personalized medicine, metabolic health and early disease detection are transforming longevity expectations and underwriting in the insurance industry.

AM Best Associate Director Jason Hopper and Industry Analyst Kaitlin Piasecki discuss a new Best's Special Report that finds eligibility redeterminations after public health emergencies are leading to a mismatch between acuity and rates.

John Dickson, CEO and president of Insurmark, discusses the rising frequency and severity of tornadoes, wind, and hail storms, the evolving insurance landscape, and the critical steps homeowners and agents should take to mitigate risk and ensure adequate coverage.

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.