Learn about the ongoing crisis in the homeowners insurance sector with Conning's Insurance Research experts in our latest podcast. This episode of Beyond the Text sheds light on the ongoing crisis in the homeowners insurance sector, emphasizing the impact of evolving natural catastrophe threats and increasing risk exposures. It also outlines key trends and provides an in-depth analysis of the pressures faced by insurers in today’s volatile environment. Dive into the conversation with Alyssa Gittleman and Alan Dobbins for an in-depth analysis of this industry.

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language in any form by any means without the prior written permission of Conning. Conning does not make any warranties, express or implied, in this document. In no event shall any Conning member be liable for damages of any kind arising out of the use of this document or the information contained within it. This document is not intended to be complete, and we do not guarantee its accuracy. Any opinion expressed in this document is subject to change at any time without notice.

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This document is for informational purposes only and should not be interpreted as an offer to sell, or a solicitation or recommendation of an offer to buy any security, product or service, or retain Conning for investment advisory services. The information in this document is not intended to be nor should it be used as investment advice.

This podcast is published by Conning, Inc. (“Conning”) and represents the opinion of Conning. This publication is intended only to inform readers about general developments of interest and does not constitute investment advice or a solicitation, and may not

be construed as such. While every effort has been made to ensure the accuracy of the information contained herein, Conning does not guarantee such accuracy and cannot be held liable for any errors in or any reliance upon this information. Conning does

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This material may contain projections or other forward-looking statements regarding future events, targets or expectations. There is no assurance that such events or targets will be achieved and may be significantly different than that shown here. Opinions

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affected by inaccurate assumptions or by known or unknown risks and uncertainties. Any timely data or views should be considered as of this date unless otherwise specified. Historic market trends are not reliable indicators of actual future market behavior.

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In every election, there are clear differences between the Democratic and Republican parties on about every issue. These differences have been amplified by continued partisanship and then ramped up on steroids by social and traditional media echo chambers. As a result, there is little common ground to be found on the key issues facing the nation.

Our election podcast looks at the key issues facing the insurance industry in the presidential, Congressional, and state elections. It reviews those issues and outlines the position of each party. While we do not predict the outcome of any election, we do provide our insight and analysis of the impact of those on the insurance industry based on an election outcome.

©2024 Conning, Inc. (“Conning”) This document and the software described within are copyrighted with all rights reserved. No part of this document may be distributed, reproduced, transcribed, trans-mitted, stored in an electronic retrieval system, or translated into any

language in any form by any means without the prior written permission of Conning. Conning does not make any warranties, express or implied, in this document. In no event shall any Conning member be liable for damages of any kind arising out of the

use of this document or the information contained within it. This document is not intended to be complete, and we do not guarantee its accuracy. Any opinion expressed in this document is subject to change at any time without notice.

This document contains information that is confidential or proprietary to Conning. By accepting this document, you agree that: (1) if there is any pre-existing contract containing disclosure and use restrictions between you or your company and any Conning member, you and your company will use the information in this document in reliance on and subject to the terms of any such pre-existing contract; or (2) if there is no contractual relationship between you and your company and any Conning member, you and your company agree to protect the information in this document and not to reproduce, disclose or use the information in any way, except as may be required by law.

This document is for informational purposes only and should not be interpreted as an offer to sell, or a solicitation or recommendation of an offer to buy any security, product or service, or retain Conning for investment advisory services. The information in this document is not intended to be nor should it be used as investment advice.

This podcast is published by Conning, Inc. (“Conning”) and represents the opinion of Conning. This publication is intended only to inform readers about general developments of interest and does not constitute investment advice or a solicitation, and may not

be construed as such. While every effort has been made to ensure the accuracy of the information contained herein, Conning does not guarantee such accuracy and cannot be held liable for any errors in or any reliance upon this information. Conning does

not guarantee that this publication is complete, nor does Conning assume any duty to provide updates to any analysis contained herein. Certain information contained herein is based on data obtained from third parties and, although believed to be reliable,

has not been independently verified by anyone at or affiliated with Conning.

This material may contain projections or other forward-looking statements regarding future events, targets or expectations. There is no assurance that such events or targets will be achieved and may be significantly different than that shown here. Opinions

and statements of financial market trends constitute our judgment and are subject to change without notice. Although the assumptions underlying the forward-looking statements that may be contained herein are believed to be reasonable, they can be

affected by inaccurate assumptions or by known or unknown risks and uncertainties. Any timely data or views should be considered as of this date unless otherwise specified. Historic market trends are not reliable indicators of actual future market behavior.

Past performance is not a guarantee of future results. For more information and a list of full disclosures please visit the disclaimers section at https://www.conning.com/important%20information.

Annuity reinsurance is crucial for the continued growth in the industry. Discover how this market is a huge opportunity for annuity insurers and hear how this market is shaping out in 2024. Dive into the conversation with Alyssa Gittleman, Director and head of Consulting and Customer Operations and Scott Hawkins, the Head of insurance Research, to gain insights on the annuity reinsurance market.

©2024 Conning, Inc. (“Conning”) This document and the software described within are copyrighted with all rights reserved. No part of this document may be distributed, reproduced, transcribed, trans-mitted, stored in an electronic retrieval system, or translated into any

language in any form by any means without the prior written permission of Conning. Conning does not make any warranties, express or implied, in this document. In no event shall any Conning member be liable for damages of any kind arising out of the

use of this document or the information contained within it. This document is not intended to be complete, and we do not guarantee its accuracy. Any opinion expressed in this document is subject to change at any time without notice.

This document contains information that is confidential or proprietary to Conning. By accepting this document, you agree that: (1) if there is any pre-existing contract containing disclosure and use restrictions between you or your company and any Conning member, you and your company will use the information in this document in reliance on and subject to the terms of any such pre-existing contract; or (2) if there is no contractual relationship between you and your company and any Conning member, you and your company agree to protect the information in this document and not to reproduce, disclose or use the information in any way, except as may be required by law.

This document is for informational purposes only and should not be interpreted as an offer to sell, or a solicitation or recommendation of an offer to buy any security, product or service, or retain Conning for investment advisory services. The information in this document is not intended to be nor should it be used as investment advice.

This podcast is published by Conning, Inc. (“Conning”) and represents the opinion of Conning. This publication is intended only to inform readers about general developments of interest and does not constitute investment advice or a solicitation, and may not

be construed as such. While every effort has been made to ensure the accuracy of the information contained herein, Conning does not guarantee such accuracy and cannot be held liable for any errors in or any reliance upon this information. Conning does

not guarantee that this publication is complete, nor does Conning assume any duty to provide updates to any analysis contained herein. Certain information contained herein is based on data obtained from third parties and, although believed to be reliable,

has not been independently verified by anyone at or affiliated with Conning.

This material may contain projections or other forward-looking statements regarding future events, targets or expectations. There is no assurance that such events or targets will be achieved and may be significantly different than that shown here. Opinions

and statements of financial market trends constitute our judgment and are subject to change without notice. Although the assumptions underlying the forward-looking statements that may be contained herein are believed to be reasonable, they can be

affected by inaccurate assumptions or by known or unknown risks and uncertainties. Any timely data or views should be considered as of this date unless otherwise specified. Historic market trends are not reliable indicators of actual future market behavior.

Past performance is not a guarantee of future results. For more information and a list of full disclosures please visit the disclaimers section at https://www.conning.com/important%20information.

Explore the dynamic landscape of the program market with Conning's Insurance Research experts in our latest podcast. Gain insights into the sector's evolution, the surge in MGA premiums, and the pivotal role of specialization and technology. Discover how the market is adapting post-Vesttoo scandal and what the future holds for MGAs amid investor interest and innovation. Dive into the conversation with Alyssa Gittleman, Lauryn Kothavale, and Steve Webersen for an in-depth analysis of this burgeoning industry.

©2024 Conning, Inc. (“Conning”) This document and the software described within are copyrighted with all rights reserved. No part of this document may be distributed, reproduced, transcribed, trans-mitted, stored in an electronic retrieval system, or translated into any

language in any form by any means without the prior written permission of Conning. Conning does not make any warranties, express or implied, in this document. In no event shall any Conning member be liable for damages of any kind arising out of the

use of this document or the information contained within it. This document is not intended to be complete, and we do not guarantee its accuracy. Any opinion expressed in this document is subject to change at any time without notice.

This document contains information that is confidential or proprietary to Conning. By accepting this document, you agree that: (1) if there is any pre-existing contract containing disclosure and use restrictions between you or your company and any Conning member, you and your company will use the information in this document in reliance on and subject to the terms of any such pre-existing contract; or (2) if there is no contractual relationship between you and your company and any Conning member, you and your company agree to protect the information in this document and not to reproduce, disclose or use the information in any way, except as may be required by law.

This document is for informational purposes only and should not be interpreted as an offer to sell, or a solicitation or recommendation of an offer to buy any security, product or service, or retain Conning for investment advisory services. The information in this document is not intended to be nor should it be used as investment advice.

This podcast is published by Conning, Inc. (“Conning”) and represents the opinion of Conning. This publication is intended only to inform readers about general developments of interest and does not constitute investment advice or a solicitation, and may not

be construed as such. While every effort has been made to ensure the accuracy of the information contained herein, Conning does not guarantee such accuracy and cannot be held liable for any errors in or any reliance upon this information. Conning does

not guarantee that this publication is complete, nor does Conning assume any duty to provide updates to any analysis contained herein. Certain information contained herein is based on data obtained from third parties and, although believed to be reliable,

has not been independently verified by anyone at or affiliated with Conning.

This material may contain projections or other forward-looking statements regarding future events, targets or expectations. There is no assurance that such events or targets will be achieved and may be significantly different than that shown here. Opinions

and statements of financial market trends constitute our judgment and are subject to change without notice. Although the assumptions underlying the forward-looking statements that may be contained herein are believed to be reasonable, they can be

affected by inaccurate assumptions or by known or unknown risks and uncertainties. Any timely data or views should be considered as of this date unless otherwise specified. Historic market trends are not reliable indicators of actual future market behavior.

Past performance is not a guarantee of future results. For more information and a list of full disclosures please visit the disclaimers section at https://www.conning.com/important%20information.

In this episode of Beyond the Text, Alyssa Gittleman, a Director in Insurance Research, interviews Alan Dobbins, Director in Insurance Research, and Bradley Felix, Vice President in Insurance Research, on the 2024 Report, Small Commercial Insurance Market: Opportunities to Compete. This interview covers trends in the SCM (small commercial market), focusing on insurance industry developments and important trends in the customer base.

©2024 Conning, Inc. This document and the software described within are copyrighted with all rights reserved. No part of this document may be distributed, reproduced, transcribed, trans-mitted, stored in an electronic retrieval system, or translated into any

language in any form by any means without the prior written permission of CHL Group. CHL Group does not make any warranties, express or implied, in this document. In no event shall any CHL Group member be liable for damages of any kind arising out of the

use of this document or the information con-tained within it. This document is not intended to be complete, and we do not guarantee its accuracy. Any opinion expressed in this document is subject to change at any time without notice.

This document contains information that is confidential or proprietary to CHL Group. By accepting this document you agree that: (1) if there is any pre-existing contract containing disclosure and use restrictions between you or your company and any CHL Group

member, you and your company will use the information in this document in reliance on and subject to the terms of any such pre-existing contract; or (2) if there is no contractual relationship between you and your company and any CHL Group member, you and

your company agree to protect the informa-tion in this document and not to reproduce, disclose or use the information in any way, except as may be required by law.

This document is for informational purposes only and should not be interpreted as an offer to sell, or a solicitation or recommendation of an offer to buy any security, product or service, or retain CHL Group for investment advisory services. The information in

this document is not intended to be nor should it be used as investment advice.

This podcast is published by Conning, Inc. (“Conning”) and represents the opinion of Conning. This publication is intended only to inform readers about general developments of interest and does not constitute investment advice or a solicitation, and may not

be construed as such. While every effort has been made to ensure the accuracy of the information contained herein, Conning does not guarantee such accuracy and cannot be held liable for any errors in or any reliance upon this information. Conning does

not guarantee that this publication is complete, nor does Conning assume any duty to provide updates to any analysis contained herein. Certain information contained herein is based on data obtained from third parties and, although believed to be reliable,

has not been independently verified by anyone at or affiliated with Conning.

This material may contain projections or other forward-looking statements regarding future events, targets or expectations. There is no assurance that such events or targets will be achieved, and may be significantly different than that shown here. Opinions

and statements of financial market trends constitute our judgment and are subject to change without notice. Although the assumptions underlying the forward-looking statements that may be contained herein are believed to be reasonable, they can be

affected by inaccurate assumptions or by known or unknown risks and uncertainties. Any timely data or views should be considered as of this date unless otherwise specified. Historic market trends are not reliable indicators of actual future market behavior.

Past performance is not a guarantee of future results. For more information and a list of full disclosures please visit the disclaimers section at https://www.conning.com/important%20information.