Core Insights - Pen Underwriting has renewed its partnership with Zurich in the UK through a revised multi-year capacity agreement focused on specialist fleet insurance [1][2] - The agreement allows Pen to underwrite over £350 million in premiums over the next five years, expanding its capacity to include passenger transport risks [2][3] - The updated agreement enhances delegated underwriting and claims authority, improving decision-making and broker interaction [4] Partnership Details - The partnership has supported motor fleet risks in hazardous goods, tanker, and environmental sectors for over 30 years [1] - From January 1, 2026, Zurich will provide capacity for Pen's wider fleet book, including coaches, buses, and minibuses [1][2] - The agreement allows Pen to place terms on new fleet risks from existing clients with established relationships in other product areas [2] Strategic Importance - Pen Underwriting's managing director highlighted the importance of Zurich's ongoing capacity commitment for hazardous and bulk liquid fleet risks [3] - The collaboration aims to provide sustainable solutions and responsive service in sectors with potential for complex claims [4] - The previous support from Zurich was limited to hazardous goods and environmental operators, which included various industries such as chemicals and fuels [5] Additional Developments - Pen and Zurich have a similar arrangement in the Republic of Ireland covering comparable sectors [6] - In May, Pen Underwriting launched Pen Protect, a cyber risk management platform offering enhanced tools for policyholders worldwide [6]

Core Insights - Saladin, a digital insurance broker in Vietnam, has successfully completed a series A funding round led by SBI Ven Capital, with participation from various investors, although the amount raised remains undisclosed [1][2] - The funding will enable Saladin to expand its product offerings and strengthen partnerships to provide more life and health insurance solutions online [1][2] Company Overview - Founded in 2022, Saladin operates as a digital-first insurance distribution platform in Vietnam, offering B2B2C solutions and connecting consumer services such as payments, travel, and healthcare [2] - Currently, Saladin collaborates with 15 insurers in Vietnam and has nearly one million unique customers on its platform, supported by a network of over 15,000 registered agents and partners [5] Future Plans - Saladin plans to launch life insurance products, including term life and health protection, focusing on online distribution channels [3] - The company aims to enhance customer engagement by improving service operations related to claims handling and ongoing support [4] - Future growth will rely on forming additional partnerships in health, term life, and travel insurance to develop tailored protection solutions for the Vietnamese market [5] Market Context - The CEO of Saladin, Vivien Vân Lê, highlighted Vietnam's ongoing reforms and digitalization efforts, suggesting that the years 2026-27 will mark a significant period of innovation in insurance, fintech, and healthtech [3]

249 | 国家金融监督管理总局正式发布 :2026年将根据 变化出台增量政策 《银保通系统接口规范》行业标准 Hinancial 母用金融斗论 .. Financial Weekly 每周金融评论 | 目录 CONTENTS 热点聚焦 FOCUS 申论文艺艺艺艺艺艺艺艺艺艺艺艺艺艺 O 12月15日，国务院新闻办公室举行新闻发布会，介绍2025年11月份国民经济运行情况。会上，国家统计局新闻发言人、总经济 师、国民经济综合统计司司长付凌晖表示，11月份国民经济延续稳中有进发展态势。全年粮食实现丰收，稳定在1.4万亿斤以 上；工业生产稳定增长，装备制造业和高技术制造业增长较快；服务业平稳增长，现代服务业发展向好；市场销售规模扩大，服 务零售增长加快；固定资产投资同比下降，制造业投资保持增长；货物进出口增速回升，贸易结构继续优化；就业形势总体稳 定，城镇调查失业率与上月持平；居民消费价格同比涨幅扩大，工业生产者价格环比继续上涨。 《清华金融评论》观察 11月份，更加积极有为的宏观政策持续显效，全国统一大市场建设纵深推进，着力做强国内大循环，生产供给持续增长，市场销 售继续扩大，货物进出口增长加快，就业物价总体稳 ...

Nearly half of Hong Kong residents are concerned that their wealth will not last beyond their children, citing market volatility and inheritance disputes, according to a survey by Canadian insurer Sun Life. The survey covered 500 respondents from Hong Kong, including some from mainland China. They were among over 3,000 people aged 18 and above from Asia who were polled in October on the topic of legacy planning. Sun Life found that 44 per cent of Hong Kong residents expressed fear over their wealth tran ...

​Skyward Specialty Insurance Group Inc. (NASDAQ:SKWD) is one of the Best Small Cap Value Stocks to Buy. On December 9, Adam Klauber from William Blair reiterated a Buy rating on the stock without disclosing any price targets. Earlier on December 5, Meyer Shields from KBW raised the firm’s price target on Skyward Specialty Insurance Group Inc. (NASDAQ:SKWD) from $64 to $66, while maintaining a Buy rating on the stock. ​The improved Wall Street sentiment follows the company’s announcement regarding gaining ...

December 14, 2025 08:34 PM GMT Ping An Insurance Group Co of China Ltd | Asia Pacific Investor feedback: Growth still underestimated Our discussions with global investors showed a broad-based increase in market interest in Ping An. We believe Ping An's growth and profitability potential continues to be underestimated by the market, which could support substantial valuation upside even after recent outperformance. Long-term structural growth potential is still underestimated by the market given strong China ...

Core Viewpoint - American International Group, Inc. (AIG) has appointed Scott Leney as Regional President for AIG Asia Pacific, effective February 1, 2026, pending regulatory approval, to enhance its market position in the region [1][3]. Group 1: Appointment Details - Scott Leney brings over 30 years of experience in leading global risk teams in the Asia Pacific region [2]. - Prior to joining AIG, Leney was Head of Asia Pacific at Everest Insurance, overseeing business strategy and portfolios [2]. - Leney has held senior leadership roles at Marsh McLennan for 25 years, including CEO positions in Australia and the Pacific [2]. Group 2: Strategic Importance - Jon Hancock, CEO of General Insurance at AIG, emphasized Leney's extensive experience and reputation as a valuable asset for AIG's growth in the Asia Pacific market [3]. - The appointment comes at a time when AIG sees significant opportunities for expansion and aims to strengthen client and partner relationships [3]. Group 3: Leney's Perspective - Leney expressed his admiration for AIG's underwriting expertise and operational excellence, viewing his new role as a chance to enhance AIG's position in key markets [4].

Core Insights - The article discusses the importance of managing irregular expenses through a financial tool known as a sinking fund, which helps individuals prepare for planned, non-monthly expenses without disrupting their budget [4][5][6] Group 1: Sinking Fund Overview - A sinking fund is a savings account designated for planned, non-monthly expenses, allowing individuals to set aside money to cover these costs without financial strain [4][5] - Examples of expenses that can be managed with a sinking fund include yearly travel, insurance premiums, property taxes, car maintenance, and tax payments [5] Group 2: Financial Education Gap - The concept of sinking funds is not widely recognized, despite being a practical solution for managing intermittent expenses, as personal finance education often focuses on emergency funds and long-term investments [6]

论坛上重磅发布了《普惠金融：破局与新局》报告。报告中不仅梳理了普惠金融最新政策成果，也展现 了普惠金融从"广覆盖"到"精准化"的关键跨越，更结合普惠信贷、普惠保险、数字普惠等多方实践，探 寻金融服务与薄弱群体需求的适配路径。 如果说银行面临的难题在于"敢不敢放"，那么保险业则更多纠结于"能不能准"，以普惠型医疗险为例， 需要覆盖过往保险产品未覆盖过的人群、事件，因此保险公司在进行精算并对产品定价时，容易缺乏数 据支撑，导致定价不准确。 相较之下，证券业在普惠服务领域的短板，则更多体现在"通不通"和"懂不懂"两个维度上。新三板、区 域性股权市场对专精特新"小巨人"企业的覆盖有限，股权融资服务下沉至县域企业的能力不足；投资者 教育普惠性欠缺，农村地区、中老年群体等对资本市场认知薄弱，易陷入非法证券活动陷阱。 而消费金融行业作为普惠金融的重要补充，在市场竞争加剧的背景下，也陷入了"内卷与风险并存"的两 难境地，部分机构为抢占市场份额，盲目下调贷款利率、放松风控标准，导致"多头借贷""过度授信"问 题凸显。 北京商报记者 刘四红 近年来，消费贷规模持续稳步扩张。2025年三季度末，我国不含个人住房贷款的消费性贷款余额 ...

Core Insights - Older Americans are advised to carefully consider the timing of their Social Security benefits, as this decision significantly impacts their monthly income during retirement [2][3] - Social Security provides a guaranteed income for life, unlike personal savings which may deplete over time [3][4] - Annuities are presented as an alternative source of guaranteed income in retirement, functioning as contracts with insurance companies that ensure payments for life [5][7] Summary by Category Social Security - Social Security benefits are crucial for many retirees, serving as either their only or primary source of income [2] - The age at which individuals file for Social Security affects the amount received monthly, making strategic timing essential [2][3] Annuities - Annuities can provide a similar guarantee of lifetime income, addressing the fear of running out of savings [5][6] - There are various types of annuities, including fixed annuities with predictable payments and variable annuities that fluctuate based on market conditions [6][8] - Choosing the right type of annuity depends on individual income needs and risk tolerance, with fixed annuities offering stability and variable annuities presenting potential for higher returns [8]