Core Insights - Top executives from five of the largest health insurers in the U.S. are testifying before lawmakers regarding the increasing costs of healthcare for Americans [1] Group 1: Industry Overview - The testimony is taking place in both the U.S. House of Representatives and Senate, indicating a high level of governmental scrutiny on the healthcare sector [1]

长沙晚报掌上长沙1月22日讯（全媒体记者 刘攀 通讯员 严晓玲）22日，由长沙市人社局主办的长沙市多层次多支 柱养老保险体系政策推介会召开，来自政府部门、企事业单位、金融机构的200余位代表齐聚一堂，通过政策解 读、经验分享、实地体验等形式，推动养老保险体系建设向纵深发展。 随着人口老龄化程度不断加深，单纯依靠基本养老保险"第一支柱"已难以满足人民群众日益增长的多样化、品质 化养老需求，而年金和个人养老金作为"第二支柱"和"第三支柱"，能够有效弥补基本养老保险的不足，为积极应 对人口老龄化提供坚实的制度保障。 目前，长沙通过政府、企事业单位、金融机构、个人四方协同发力，已初步建成并持续完善以基本养老保险为基 础、企业（职业）年金为补充，与个人养老金和商业养老保险相衔接的多层次多支柱养老保险体系。截至2025年 底，全市基本养老保险参保人数已达842万人；基本实现有条件的国有企业企业年金全覆盖，民营企业企业年金深 入推进；个人养老金稳步发展，开户数达到268万。 会上，市人社局相关负责人详细介绍了企业年金和个人养老金作为养老保险体系的第二、第三支柱的具体政策内 容、参保条件、缴费标准及税收优惠政策。泰康养老保险 ...

TORONTO, Jan. 22, 2026 (GLOBE NEWSWIRE) -- Financial 15 Split Corp. (the “Company”) announces it has renewed its at-the-market equity program (“ATM Program”) that allows the Company to issue shares of the Company to the public from time to time at the Company’s discretion, effective until February 21, 2028 unless terminated prior to such date by the Company. This program replaces the prior program established in December 2023 that has terminated. Any Class A Shares or Preferred Shares sold in the ATM Progra ...

Core Viewpoint - Dividend Select 15 Corp. has renewed its at-the-market equity program, allowing the issuance of shares until February 21, 2028, with a maximum gross proceeds of $30 million [1][2]. Group 1: ATM Program Details - The renewed ATM Program replaces the previous program established in December 2023 and allows the company to issue shares at its discretion through the Toronto Stock Exchange or other Canadian marketplaces [1][2]. - Sales of equity shares will occur at prevailing market prices, which may vary among purchasers during the distribution period [2]. - The program is offered under a prospectus supplement dated January 21, 2026, linked to the company's short form base shelf prospectus dated January 20, 2026 [2]. Group 2: Use of Proceeds - Proceeds from the ATM Program will be utilized in alignment with the company's investment objectives and strategies, adhering to its investment restrictions [3]. - The company invests in a portfolio of Canadian companies that are among the highest dividend-yielding stocks in Canada [3]. Group 3: Portfolio Composition - The portfolio includes notable Canadian companies such as Bank of Montreal, BCE Inc., and Royal Bank of Canada, among others [4].

This story was originally published on HR Dive. To receive daily news and insights, subscribe to our free daily HR Dive newsletter. Dive Brief: Employment-based health insurance coverage remains the most common source of coverage among the nonelderly population, at roughly 60%, according to a recent research report from the Employee Benefit Research Institute. Meanwhile, the share of employers providing coverage inched upward to 49% in 2024, from a near record low of 46.3% the year before, EBRI found. ...

Core Insights - Travel insurance often excludes coverage for high-risk activities and extreme sports unless a specific rider is purchased [1] - Recent geopolitical events have raised concerns about travel insurance coverage amid political unrest and civil disturbances [5] - Many travelers are unaware of the limitations of their travel insurance, leading to potential financial exposure during emergencies [2][3] Insurance Coverage Limitations - Common travel disruptions are generally covered, but exclusions exist for civil unrest, military activity, political coups, terrorism, and acts of war [3] - Travelers may face significant financial burdens if they rely solely on airlines for reimbursements for delayed or canceled flights [7][8] - A survey indicated that only 50% of Americans purchase travel insurance, with just 15% buying it for every trip [9] Types of Coverage - Travel insurance bundles typically include trip cancellation, trip interruption, baggage, and emergency medical coverages [11] - Additional coverages or riders can be added for specific risks, such as political or security evacuation [12] - Options like Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR) insurance allow for partial recouping of costs, but typically only cover 50% to 75% of the total trip cost [13] Recommendations for Travelers - It is crucial for travelers to understand the definitions of terms like "government action" and "unforeseen events" in their policies [10] - Consulting the U.S. State Department's Bureau of Consular Affairs can provide destination-specific travel and risk information [14] - Engaging a travel agent can help clarify exclusions and navigate various insurance options, including riders [14]

Core Insights - The Shenzhen Municipal Financial Management Bureau has released an action plan for the insurance industry to support technological innovation and industrial development from 2026 to 2028, aiming to address the "long-term capital shortage" and "lack of risk coverage" in technology innovation [1][6] Group 1: Quantitative Goals - The action plan sets clear three-year development goals, including pushing national insurance funds to invest over 1 trillion yuan in Shenzhen and achieving an annual growth rate of over 10% in technology insurance premium income [2][3] - It aims to provide over 5 trillion yuan in risk coverage for technology enterprises annually and to launch at least 30 innovative insurance products each year in emerging fields like low-altitude economy and artificial intelligence [2][3] - By the end of 2028, the total assets of insurance entities in Shenzhen are expected to exceed 11 trillion yuan, with cumulative premium income over 700 billion yuan [2][3] Group 2: Key Support Measures - The action plan outlines eleven key support measures, including optimizing the utilization of insurance funds and establishing a project docking mechanism for insurance capital [3][4] - It encourages the development of technology insurance, promoting innovative product offerings in frontier technology fields and enhancing the talent insurance product system [3][4] - Specific measures include developing insurance products for the first set of equipment, intellectual property, and supporting the establishment of artificial intelligence insurance innovation centers [4][5] Group 3: Industry Collaboration and Innovation - The plan emphasizes the importance of collaboration between insurance institutions and technology companies, particularly in the fields of artificial intelligence and biotechnology [5][6] - It aims to enhance the insurance service system for marine industries and promote cross-border insurance cooperation between Shenzhen and Hong Kong [5][6] - The action plan also highlights the need for a robust reinsurance and co-insurance mechanism to support major strategic sectors [5][6] Group 4: Digital Transformation and Environment Optimization - The action plan supports the establishment of insurance innovation centers and encourages digital transformation within insurance institutions to improve operational management [7][8] - It proposes differentiated, scenario-based support measures tailored to the industrial advantages of different districts in Shenzhen [8] - The plan aims to enhance the digitalization of underwriting and claims services, optimizing customer experience [8] Group 5: Financial Supply-Side Reform - The action plan is rooted in Shenzhen's high-quality insurance development, with premium income growth of 12.8% year-on-year in the first three quarters of 2025 [9][10] - It highlights the successful introduction of significant insurance funds and innovative practices in various fields, providing a reference model for financial supply-side reform in China [9][10] - The unique aspects of the Shenzhen plan include its systematic design aimed at deeply embedding financial tools into the local innovation ecosystem [10]

Core Viewpoint - The Federal Reserve is facing scrutiny over its financial management, with significant annual losses attributed to rising interest rates and asset purchase decisions, raising concerns about accountability and transparency [1][3][4][5]. Group 1: Federal Reserve's Financial Performance - The Federal Reserve is reportedly incurring losses exceeding $100 billion annually due to increased short-term interest rates, which have led to higher interest payments on bank reserves while income from long-term securities remains low [3][4]. - Treasury Secretary Scott Bessent highlighted that the Fed's annual losses stem from "mistimed asset purchases," emphasizing the need for accountability in its operations [4][5]. - Inflation in the U.S. peaked at 9.1% in June 2022, the highest in decades, but has since decreased to 2.7% year-over-year, indicating a volatile economic environment that the Fed must navigate [4][5]. Group 2: Accountability and Transparency Concerns - Bessent argues that the Fed's independence should not compromise its accountability to the American public, especially given its unique ability to create money [1][7]. - The ongoing criminal investigation into Fed Chair Jerome Powell, related to his testimony about cost overruns on the Fed's headquarters renovation, raises further questions about the institution's governance [2]. - Bessent's comments reflect a broader concern that the Fed lacks transparency, which is critical given its influence on the economy and the lives of everyday Americans [7].

Overall Results - Old Republic International Corporation reported a net income of $206.3 million for Q4 2025, a significant increase from $105.1 million in Q4 2024 [2][3] - The net income excluding investment gains (net operating income) was $184.7 million, down 18.6% from $227.0 million in the previous year [2][3] - The combined ratio for the quarter was 96.0%, compared to 92.7% in the prior year, indicating a decline in underwriting profitability [2][3] Financial Performance - Consolidated net premiums and fees earned reached $2.1 billion, reflecting a 9.8% increase year-over-year [3][6] - Net investment income increased by 7.9% to $183.8 million, driven by higher investment yields and a larger asset base [3][11] - Total operating revenues for the quarter were $2.4 billion, up 9.5% from the previous year [6] Shareholder Returns - Total capital returned to shareholders was $742 million in Q4 2025, consisting of $686 million in dividends and $56 million in share repurchases [27] - The book value per share increased to $24.21, a 6.0% rise from $22.84 at the end of 2024 [2][27] Segment Performance - Specialty Insurance net premiums earned increased by 8.3% for Q4 and 10.9% for the full year, driven by premium rate increases and strong renewal retention [10][12] - Title Insurance segment saw net premiums and fees earned rise by 12.4% for the quarter and 9.1% for the full year, supported by lower interest rates and robust commercial business production [16][19] - Corporate & Other segment reported a decline in net premiums earned by 4.5% for Q4 and 35.6% for the full year, impacted by the sale of the RFIG Run-off business [21][22] Investment Portfolio - As of December 31, 2025, the investment portfolio was allocated approximately 85% to fixed income securities and short-term investments, and 15% to equity securities [24][25] - The investment management strategy focuses on maintaining quality investments that provide consistent income streams while minimizing exposure to high-risk assets [25]

切勿轻信非官方渠道发布的积分清零通知，避免盲目操作落入诈骗陷阱。面对积分兑换或清零提醒，应 直接通过官方客服热线、官方网站或App等正规渠道进行核实。 内容来源：中国人寿保险股份有限公司服务号 当前，大量平台、网站实行积分制管理，用户积攒一定积分可以使用相关服务或兑换相关礼品。积分通 常具有一定期限，如未及时使用将会过期或被清零。诈骗分子通常以"积分清零"为由进行引流，诱导受 害人点击诈骗链接，进而实施诈骗。 警方提示 "您的积分即将到期，请立即兑换！"这样看似"贴心"的短信或链接，很可能是诈骗分子精心布置的陷 阱！中国人寿寿险天津市分公司提醒您：别让"积分清零"通知，变成你账户的"清空信号"。 "积分清零"消息需注意 ...