Core Insights - Natural catastrophes caused over US$100 billion in insured losses in 2025, marking the sixth consecutive year above this threshold, but a decrease of $40 billion compared to 2024, indicating persistent natural catastrophe risk despite no hurricanes making landfall in the US [1][2] Industry Trends - The Natural Catastrophe Review by Willis highlights the need for insurers to adopt sound strategies to manage high catastrophe risk, emphasizing investment in resilience and mitigation rather than avoiding risk [2] - Insured losses from natural catastrophes in 2025 were over $100 billion globally, indicating a higher risk floor for catastrophic perils [2] - The report discusses structural pressures and systemic vulnerabilities that exacerbated the impact of natural catastrophes in 2025, advising insurers to update their risk perspectives [2] Risk Modelling and Case Studies - Wildfire is identified as a core contributor to insurance portfolio volatility, necessitating adjustments in wildfire models to reflect current conditions and realistic replacement costs [3] - Risk modelling must account for compound perils, as cumulative damage from multiple perils can lead to delayed claims and disputes [3] - The warming North Atlantic is altering hurricane behavior, with implications for the Caribbean and the potential for more intense storms later in the season [3] - Flood risks are expanding beyond traditionally defined zones, with extreme rainfall leading to severe flooding in areas not typically considered high risk [3]

Arch Insurance International, part of Arch Capital Group and a provider of specialty insurance solutions across multiple lines, has launched its event cancellation cyber coverage.This new coverage is offered as a cyber extension to an event cancellation policy, protecting against the cancelation, abandonment, curtailment, interruption, postponement, or relocation of an event due to an unauthorised, malicious, or criminal cyber act, or a computer system failure.Protection also extends to third-party infrastr ...

The Progressive Corporation (NYSE:PGR) is one of the best inexpensive stocks to buy now. On January 16, HSBC downgraded Progressive to Hold from Buy with a $224 price target. Earlier, on January 15, BMO Capital lowered the price target on Progressive Corporation to $239 from $253 with a Market Perform rating. The firm informed investors that the adjustment follows Progressive Corporation’s recent filing for rate decreases within its Florida subsidiaries, specifically a 9% reduction for agent-sold policies ...

Marsh Risk Expands US Surety Team With 3 Leadership AppointmentsMarsh Risk, headquartered in New York City, made three leadership appointments. Jimmy Tse was named U.S. financial institutions surety growth leader. Tse has 20 years of experience in financial institutions, with expertise in developing integrated strategies that connect financial institutions with surety markets. Prior to joining Marsh, he led ANZ’s Funds and Insurance Coverage business. Based in New York, Tse will report to Carrick Bligh, U.S ...

2026年开年以来，先是中国移动多地线下营业厅开卖保险，紧接着平安证券、招商证券等头部机构纷纷 在官方App中更新保险业务专属入口，引发业内广泛热议。时间再往前推，2025年，越秀集团、"美的 系"等资本纷纷通过股权收购涉足保险领域。 这场由券商、运营商及产业资本共同推动的跨界热潮，背后隐藏着怎样的商业逻辑？当保险销售从代理 人、银行柜台延伸至券商APP和通信营业厅，是行业供给侧的结构性优化，还是流量焦虑下的被动试 水？当"买保险"变得越来越"日常化"，消费者应该如何科学投保？ 跨界玩家密集进场 "证券账户里能买分红险，办手机卡时被推荐健康保障"，如今这样的场景已越来越常见，保险行业正迎 来多渠道融合的新变化。 2025年年末至2026年年初，多家券商在其官方APP中悄然上线"保险专区"，其中某头部券商机构在官方 APP内已上线18只保险产品，涵盖年金险、寿险、健康险三大品类，其中13只为分红型产品。另有一家 券商则将"保险专区"与"证券专区"在App内平行陈列，上线产品不仅包含传统险种，更纳入了财产险、 宠物险等贴近大众日常生活的品类，进一步拓宽了保险服务的触达场景。 与券商的"线上布局"不同，中国移动选择 ...

Core Insights - The company reported a satisfactory performance in 2025, with significant customer growth and support for over a thousand claims daily during challenging times [1] - The fourth quarter performance indicates a strong finish to 2025, driven by growth in Personal Lines and a favorable underlying business trend [2] Financial Performance - The insurance service result for Q4 2025 was a profit of DKK 521 million, up from DKK 440 million in Q4 2024, with a combined ratio of 82.4, improved from 84.5 [4] - Insurance revenue increased by 4.6% to DKK 2,976 million, primarily due to a 9.8% growth in Personal Lines [4] - The underlying claims ratio decreased by 3.0 percentage points to 60.8, reflecting positive trends in both Personal and Commercial Lines [4] - The expense ratio fell to 17.1, down from 18.0, indicating a focus on reducing operating expenses [4] - The consolidated profit before tax for 2025 was DKK 2,119 million, compared to DKK 1,747 million in 2024 [4] Strategic Initiatives - Alm. Brand Foreningen 1792, the principal shareholder, plans to reinvest DKK 185 million in Alm. Brand Group for 2026, including DKK 100 million for a new loyalty program [3] - The company is set to initiate a share buyback program amounting to DKK 1.5 billion, with DKK 1.0 billion being extraordinary, expected to start in the first half of 2026 [4] Shareholder Returns - The Board of Directors recommends an ordinary dividend of DKK 0.66 per share for the 2025 financial year [4] - Total distribution expected in 2026 is DKK 2.4 billion, with the majority shareholder indicating participation in the share buybacks [4]

Core Insights - Middle-income families are adjusting to a prolonged period of higher living costs, with 49% stating their main financial goal is to keep up with rising expenses [1] - The financial outlook for these families is stabilizing, but many still face significant financial stress and misconceptions about seeking financial guidance [1] Group 1: Financial Sentiment and Goals - 38% of middle-income Americans describe their relationship with financial stress as "it's complicated," indicating a disconnect between economic indicators and personal financial realities [1] - Nearly half (47%) of middle-income families prioritize paying down debt as a key financial goal for the year [1] - 69% of households reported delaying major purchases or expenses in 2025, with car purchases and home repairs being the most common delays [1] Group 2: Economic Outlook - 59% of middle-income Americans expect the U.S. economy to worsen in the next year, while only 24% anticipate improvement [1] - One-third (34%) of middle-income Americans expect to be financially worse off in the coming year, with similar sentiments remaining unchanged over the past six months [1] - The percentage of respondents who believe their income is falling behind the cost of living has increased slightly, with 68% reporting this sentiment [1] Group 3: Financial Guidance and Preparedness - 37% of households not working with a financial professional believe they do not have enough money to need one, while 35% think the cost of financial guidance is too high [1] - 62% of respondents reported having an emergency fund that could cover an expense of $1,000 or more, showing a slight increase over the past year [1] - A significant majority continue to feel it is difficult to save for the future, with 70% rating their ability to save as "not so good" or "poor" [1]

1月29日早盘，沪指盘中窄幅震荡，创业板指冲高回落，科创50指数弱势下探，A股市场超2800股飘 绿。 截至午间收盘，沪指跌0.1%，深证成指微涨，创业板指微跌0.05%，科创50指数跌1.52%，沪深北三市 合计成交约2.03万亿元。 盘面上看，半导体、券商、医药、军工等板块走低，传媒、地产、石油、有色、酿酒、保险、银行等板 块拉升，AI应用概念、稀土概念等活跃。 中银证券认为，短期来看，春躁行情运行至高位震荡与预期分化阶段，结构分化或有增加。目前市场对 扩内需政策及遏制行业"内卷"的供给侧政策抱有期待，周期股的阶段性催化依旧。但需注意短期监管降 温带来的ETF及杠杆资金增量边际走弱对市场的影响。节前市场或进入震荡博弈阶段，重点关注业绩主 线。 ...

南方财经记者郭晓洁实习生王泽楠广州报道 截至2025年末，中国本外币绿色贷款余额44.77万亿元，全年增加7.72万亿元，在高基数基础上同比实现超过20%的增长，金融 支持绿色发展的力度持续加码，成为推动经济社会发展全面绿色转型的重要力量。 回顾2025年，中国绿色金融发展迈入标准统一、创新深化、开放协同的全新阶段。从顶层制度的持续完善到市场产品的多元突 破，从国内区域的差异化实践到国际领域的深度接轨，金融"活水"精准滴灌绿色低碳发展的脉络清晰可见。 这一年，绿色金融作为"加快经济社会发展全面绿色转型"的重要支撑，被纳入多项重大战略部署。国家层面陆续出台新版绿色 金融支持项目目录、金融机构气候信息披露准则等制度文件；绿色金融对外开放迈出关键步伐，绿色外债试点、境外绿色主权 债券发行，中国绿色金融深度融入全球市场。 同时，行业创新实践实现多方位突破，绿色债券市场量价齐升，创新产品层出不穷，转型金融在各省市多点开花，为高碳行业 低碳转型注入金融动能，生物多样性金融、绿色保险从理念走向规模化实践，科技赋能让绿色金融数字化平台建设提速。 我们梳理了2025年度绿色金融十大关键词，记录金融助力美丽中国建设的关键探索与坚 ...

Jan 28 (Reuters) - Ethos Technologies and some of its shareholders raised about $200 million in a U.S. initial public offering, the ​insurance platform said on Wednesday. The company and the selling shareholders ‌sold 10.5 million shares at $19 apiece, the midpoint of its targeted range of $18 to $20 a ‌share. The IPO valued Ethos at about $1.2 billion, based on the number of shares outstanding mentioned in its prospectus. Ethos, backed by venture capital firms Accel and Sequoia, said its platform and ...