Core Insights - London Market brokers are increasingly favoring insurers that leverage digital technology to enhance efficiency and ease of business transactions in a softening market [1] - The Guidewire London Market Tech Barometer survey indicates that 78% of brokers believe insurer technology significantly influences their risk placement decisions [1] - Modernization is becoming essential for insurers to maintain broker loyalty, moving beyond traditional relationships [1] Technology Adoption - Over half of the brokers (51%) report that the shift towards algorithmic or fully digital underwriting is currently underway [1] - The primary AI application identified by brokers is automating submission intake and data extraction (42%), followed by enhancing exposure management (38%) [1] - 78% of brokers are pursuing their own technology strategies independently of the Blueprint Two timeline, with 31% expressing concerns about legacy systems' integration capabilities [1] Market Dynamics - The reliance on outdated technology is seen as the biggest barrier to modernization in the London Market, cited by 24% of respondents [1] - The competitive landscape is intensifying, prompting brokers to prioritize technologically advanced insurers [1] - Insurers that invest in resilient core operating platforms are better positioned to meet customer commitments and compete effectively [1]

2H 2025 Results Lard Friese Duncan Russell Chief Executive Officer Chief Financial Officer February 19, 2026 2 2 Key messages 1. Operating capital generation (OCG) before Holding funding and operating expenses Distribution WFG licensed agents (number in thousand) 36 FY24 37 FY25 86 96 Multi-ticket agents Transamerica's market share 66% Savings & Investments Net deposits mid-sized plans FY24 FY25 0.6 1.1 Protection Solutions New individual life sales 473 617 FY24 FY25 3 1. Refers to WFG sales in the US for L ...

经过改革开放以来的发展，我国已成为世界第二大经济体，金融大国的地位基本确定。我国银行业规模 和外汇储备总量全球第一，债券市场和股票市场的规模全球第二。从国际比较着眼，我国金融体系虽大 却不强。建设金融强国将是十五五乃至更长一个时期的重要任务。中国建设金融强国，必定是以人民币 作为货币基础发展具有中国特色的现代金融体系。未来金融强国建设需要人民币汇率保持合理的水平。 根据权威论述，强大的货币是金融强国必须具备的关键核心金融要素之一。强大的货币是指在国际贸易 投资和外汇市场广泛使用、具有全球储备货币地位的货币。人民币适度强势有利于人民币成为强大的货 币。时至今日，中国不仅已是全球首屈一指的出口大国，出口商品结构明显优化，附加价值明显提升； 还是有着对全球资源、技术和人才持续需求的进口大国。未来一个时期人民币适度强势有助于人民币在 全球贸易中更广泛地使用。人民币的适度强势有助于推动中资企业"走出去"，也有利于国际资本更多地 持有人民币在全球开展投资。持有资产的保值增值是储备的基本战略考量。从结构多元的角度看，随着 中国经济的进一步发展和开放，未来人民币应该在各国外汇储备中占有不断提升的比重。如果人民币能 保持强势， ...

Core Insights - The insurer achieved a 17% increase in profit for 2025, reaching $6.80 billion, marking record annual earnings [1] Financial Performance - The profit growth of 17% indicates strong financial performance and operational efficiency within the company [1]

Market Overview - European stocks are expected to open in mixed territory with the U.K.'s FTSE index projected to rise by 0.15%, while Germany's DAX is expected to decline by 0.25%, France's CAC 40 by 0.15%, and Italy's FTSE MIB slightly below the flatline [1] - Global market sentiment is being influenced by U.S. stock futures trading near the flatline after a positive session, driven by gains in technology stocks and strength in financials and energy sectors [3] Earnings Reports - A busy day of earnings is anticipated with companies such as Nestle, Rio Tinto, and Zurich Insurance reporting their results [2] - Airbus expects to deliver 870 commercial aircraft in 2026, which is slightly below the analysts' expectation of approximately 880 [2] Oil Market - Oil prices increased by over 4% following comments from U.S. Vice President JD Vance regarding Iran's nuclear talks, indicating potential military action if diplomatic efforts fail [4] Regional Market Activity - In Asia-Pacific markets, stocks traded higher as several exchanges returned from the Lunar New Year holiday [4]

Core Insights - Aegon's 2025 results reflect the effectiveness of its strategy, achieving or surpassing all financial targets set during the 2023 Capital Markets Day [3] - The company generated EUR 1.3 billion in operating capital, exceeding its EUR 1.2 billion target, and reported EUR 829 million in free cash flow, aligning with its target of approximately EUR 800 million for 2025 [4][6] Financial Performance - Aegon reported a full-year IFRS operating result of EUR 1.7 billion, marking a 15% increase compared to 2024 [4] - The net result for 2025 was EUR 980 million, a 45% increase from 2024, while the net result for the second half of 2025 was EUR 375 million, down from EUR 741 million in the second half of 2024 [7] - The operating result for the second half of 2025 was EUR 858 million, an 11% increase from the second half of 2024, driven by growth across all business units [7] Capital Management - Aegon returned EUR 1.1 billion to shareholders through dividends and share buybacks in 2025 [6] - A proposed final dividend of 21 eurocents per share for 2025 represents an 11% increase compared to the final dividend of 2024, meeting the target of EUR 0.40 for the full year [6][7] Business Unit Performance - Transamerica's distribution network expanded to over 95,000 licensed agents, achieving a record 30% increase in individual new life sales in 2025 compared to 2024 [5] - The asset management business generated EUR 1.0 billion in net third-party inflows in 2025, while the UK Workplace Platform saw GBP 2.4 billion in net inflows [5] Strategic Focus - Aegon is focused on executing plans outlined at the 2025 Capital Markets Day, including relocating its head office and legal seat to the US [7]

Arthur J. Gallagher & Company (NYSE:AJG) is one of the 12 oversold financial stocks to invest in according to hedge funds. On January 30, Paul Newsome from Piper Sandler maintained his Neutral rating on Arthur J. Gallagher & Company (NYSE:AJG). The analyst, however, reduced the price target from $272 to $249, which now leads to an upside potential of around 20%. Copyright: sifotography / 123RF Stock Photo Newsome acknowledged Arthur J. Gallagher & Company’s (NYSE:AJG) acquisition revenues and other ite ...

Brighthouse Financial sells life insurance, but that's not the big story driving the stock right now.Brighthouse Financial (BHF +0.06%) is a relatively young company, but it has a rich history. That's because it's basically the former consumer life insurance arm of MetLife (MET +0.88%), from which it was spun off in 2017. However, the history here is about to include another twist, as the company has agreed to be bought for $70 per share in cash.NASDAQ : BHFBrighthouse FinancialToday's Change( 0.06 %) $ 0.0 ...

Core Viewpoint - The report highlights significant concerns in equity markets due to the disruptive potential of artificial intelligence (AI), leading to a sell-off across various sectors, reminiscent of the Dot-com Bust 2.0 [3][4]. Sector Impact - **Insurance and Financial Services**: Stock prices for insurance companies fell after the introduction of an AI app by OpenAI that could provide homeowners insurance quotes. Similarly, AI capable of advising on tax strategies negatively impacted asset managers and brokerage firms [5]. - **Software Sector**: The release of Anthropic's Claude AI, which can perform legal research and specialized financial tasks, caused a decline in software stocks, affecting companies like PayPal, Salesforce, and Thomson Reuters [6]. - **Tech Stocks**: Amazon experienced its eighth consecutive losing day following a significant increase in its capital budget for AI data centers, while Apple's market value decreased by 5% [7]. - **Commercial Real Estate**: Stocks in commercial real estate plummeted as investors moved away from high-fee, labor-intensive business models perceived as vulnerable to AI disruption. Major firms like CBRE and Cushman & Wakefield saw stock price drops of 12.8% and 14%, respectively [11][12]. Market Sentiment - Investors are exhibiting panic and confusion regarding AI's potential impacts, leading to a flight to safer stocks in consumer staples and energy sectors [8]. - Analysts noted that the sell-off in financial services and real estate was an "AI scare trade," with fears of job losses and business model disruptions driving excessive selling [15][16]. Global Impact - **India's Tech Sector**: The Indian technology sector faced its worst weekly performance since April 2025, with the Nifty IT index dropping 8.2% and erasing approximately $50 billion in value [18][20]. - Concerns are growing that AI could disrupt India's $283 billion information technology services industry, potentially leading to missed growth targets for IT companies [20]. Analyst Perspectives - Some analysts argue that the reaction to AI threats is overly simplistic, emphasizing that IT companies will remain relevant, albeit with a leaner workforce [22]. - The long-term outlook suggests that companies slow to adopt AI may face severe challenges, as AI agents could replace human-led processes [17].

Core Insights - Employers Holdings, Inc. has launched a new Excess Workers' Compensation insurance product aimed at large self-insured employers, groups, pools, and joint powers authorities across the United States [1][2] - The new product represents a strategic expansion of the company's portfolio, enhancing its ability to meet the evolving needs of employers and public entities [2] Product Features - The Excess Workers' Compensation insurance integrates specific and aggregate coverage, predictive analytics, and advanced risk management services [1][6] - It provides actionable intelligence on claim trends, severity drivers, and risk exposures, enabling self-insured employers to mitigate losses and improve safety outcomes [3][6] Market Positioning - The product is designed to transform Excess Workers' Compensation coverage from a cost center into a competitive advantage for clients [4] - Employers Holdings, Inc. has over a century of experience in workers' compensation insurance, focusing on small and mid-sized businesses as well as self-insured enterprises [5] Underwriting and Availability - The program is underwritten by Employers Assurance Company, which has an A (Excellent) rating from A.M. Best Company [4][6] - The Excess Workers' Compensation insurance is currently available in select jurisdictions nationwide [5][6]