Group 1 - The core viewpoint of the article highlights the significant impact of the recent Iran-Israel conflict on the insurance market, leading to increased insurance premiums and a reevaluation of risk by insurance companies [1][2] - The conflict has caused a notable rise in shipping insurance costs in the Middle East, with rates increasing from 0.2-0.3% to 0.5% of the vessel's value [2][3] - Insurance companies are adjusting their pricing strategies in response to the heightened risks associated with geopolitical tensions, moving towards more dynamic and flexible pricing models [5][6] Group 2 - The demand for specific insurance products has increased, particularly in export credit insurance and political risk insurance, as businesses seek to mitigate risks associated with supply chain disruptions and political instability [7][8] - The conflict has led to a rise in demand for political risk insurance (PRI) as a key credit enhancement tool for financing post-war reconstruction and energy cooperation projects [8] - Small and medium-sized enterprises are showing a significant decline in their willingness to purchase insurance due to the economic pressures resulting from the conflict [8] Group 3 - The investment strategies of insurance capital are shifting towards defensive adjustments, increasing allocations to safe-haven assets while reducing exposure to high-risk sectors affected by the conflict [9][10] - There is a notable reduction in exposure to high-risk assets such as sovereign debt from Middle Eastern countries, with a corresponding increase in allocations to gold and high-rated government bonds [11] - Insurance companies are also considering investments in alternative supply chain regions as a hedge against risks associated with the Middle East [11]