Andy Kramer

Andy Kramer is vice president and head of underwriting risk and innovation at M Financial Group.

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New Standard Life Insurance Application Simplifies Process

New ACORD standard life application promises to eliminate redundant questioning and streamline the insurance buying process.

Six Things

Trump Tariff Uncertainty Will Whack Insurers

By Paul Carroll

The "will-he-or-won't-he" debate has created an "uncertainty economy" that will raise costs for insurers no matter what Trump ultimately decides.

Behavioral Insurance Reshapes Risk Models

The insurance industry is shifting from traditional actuarial models to incorporate behavioral data in risk assessment practices. The implications are enormous.

AI Transforms Assessment of Storm Risk

Insurers' current approach to assessing the risk from severe convective storms is fundamentally flawed. AI allows for key, property-specific insights.

Insurance Faces Growing Natural Disaster Challenges

As climate perils intensify, insurers must innovate or risk market exodus amid mounting catastrophic losses.

AI Revolutionizes Long-Term Care Planning

AI emerges as a game-changing solution for the complex challenges of long-term care planning.

Tech Transforms Warranty Management for Hybrid Work

As hybrid work becomes permanent, traditional warranty management faces new challenges that require innovative tech solutions.

Can Adequate Premiums and Trust Coexist?

The insurance industry has a pivotal opportunity to redefine itself. By prioritizing transparency, insurers can address premium leakage while restoring trust.

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