Contingencies

Most people don’t read their insurance policies until something goes wrong. Here’s what you need to know before that happens—and how the actuaries think about the risks most consumers don’t see coming.

From extreme weather and cyberattacks to geopolitical conflict and economic volatility, multiple crises are weighing on an increasingly interconnected world. How can actuaries help insurers and policymakers prepare for these risks?

From utilization to mortality assumptions, these medications raise new cost and risk considerations for actuaries and insurers.

Health insurance protects against financial risk, but it also shapes how care is used. Artificial intelligence points to a more targeted approach to managing incentives.

As the United States celebrates its 250th birthday, key legal decisions, technological breakthroughs, and political battles reveal how insurance evolved alongside the nation itself.