Our Perspective
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Insurance Exchanges and Older Consumers
By Steve Woods May 31, 2015English
With the passage of the Patient Protection and Affordable Care Act (PPACA) in 2010, Americans were introduced to a relatively new way to purchase health insurance - the exchange. A government-regulated exchange is publicly run by either the state or...
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Who Cares What the Customer Thinks? New Research Shares Consumers’ Perspectives on Exchanges
By Mike Fullerton April 26, 2015English
Recently I Googled "Research on Insurance Exchanges.” It may (or may not) be a surprise to you that I got almost 17 million search results. What came up was an abundance of information - reports on everything from how to navigate them to...
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Negative Interest Rates - The Perfect Financial Storm
By Tad MontrossApril 16, 2015English Français
Negative interest rates could create a perfect financial storm for the insurance industry, simultaneously putting investment returns and underwriting adequacy under unsustainable pressure. Compounding the risks for multinational insurers, a persistently...
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Cigarettes - What’s Your Poison?
By Ross Campbell March 08, 2015English Italiano
If we ate rather than smoked cigarettes, we would expect the packets to list their ingredients to help us make informed healthy choices - perhaps resulting in our avoiding them altogether. But tobacco manufacturers are not obliged to do this. If the...
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What’s in a Name? And Why It Should Matter to Insurers
By Dr. Chris Ball March 05, 2015English
Collective nouns can be obscure (a sord of mallards), descriptive (a gaggle of geese) or just plain made up (a memory of elephants). Though less artificial, the traditional “herd” of elephants is a much less thoughtful construct than a “memory”....
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Insurance - An Asset or Expense?
By Tad MontrossMarch 01, 2015English
Have we been thinking of insurance the wrong way? Many think of insurance as an expense. In fact, accounting rules treat it as such. As consumers, we know insurance...
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