U.S. Life Insurance Market Growth & Pension Risk Transfer in Q1 2025
In 2025, U.S. individual life insurance new annualized premium reached $3.94 bn. Total U.S. pension risk transfer new premium reached $7.1 bn
Insurance is a way to manage your risk. When you buy insurance, you purchase protection against unexpected financial losses. The insurance company pays you or someone you choose if something bad happens to you. If you have no insurance and an accident happens, you may be responsible for all related costs.
Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.
In 2025, U.S. individual life insurance new annualized premium reached $3.94 bn. Total U.S. pension risk transfer new premium reached $7.1 bn
The insurance industry faces several ongoing challenges linked to long-term economic, social, and environmental trends. These structural risks require active management to ensure protection
AM Best maintains a stable outlook for the UK life insurance market, supported by strong pension-related activity, steady expansion in defined contribution (DC) pensions
Directors and officers face rising legal and regulatory risks from AI adoption, cyber threats, and evolving privacy laws across the Asia Pacific region
Severe weather in Kentucky drives up insurance rates, strains carriers, and prompts regulatory changes as tornadoes and hailstorms increase in frequency and cost
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Life reinsurers based in Bermuda have recorded increased activity as annuity sales rise in the U.S. and recent regulatory changes
As electric vehicles (EVs) gain popularity, the insurance industry is also adapting to meet the unique requirements of eco-conscious drivers
Lightning causes significant fire risk to small and medium-sized enterprises (SMEs), resulting in annual damages of several billion dollars
Geoeconomic fragmentation makes managing global risks like climate, cyber, and pandemic risks more difficult for insurance and reinsurance sectors
Rising geopolitical tensions and economic nationalism are causing a slowdown in global integration, which presents significant challenges but also opportunities for insurers
EMEA insurers, while not directly impacted by US tariffs, face considerable exposure to secondary effects
UK life insurers are poised to continue benefitting from strong bulk annuity volumes in 2025 despite potential challenges from regulatory changes
Global insured losses from natural disaster events in Q1 2025 were preliminarily estimated to reach at least $53 bn, the highest Q1 insured losses since Q1 2011 ($81 bn)
Wildfire-related directors and officers (D&O) lawsuits represent a growing category of event-driven shareholder litigation. These insurance claims arise from major environmental
S&P Global Ratings reports that North American insurers have sufficient capital and liquidity to absorb current market volatility, including disruptions linked to recent tariff measures
Auto insurance premiums in the U.S. could rise 14% by the end of 2025 due to new tariffs on imported vehicles and parts
Wider natural catastrophe exposure continues to pressure financial results across the property and casualty (P&C) insurance industry
How GLP-1 therapies are altering medical practices and insurance structures, prompting reinsurers to adjust their strategies to align with emerging risk profiles
32% of surveyed insurance executives identified these issues as a significant macroeconomic risk, ranking 5th after inflation, recession, market volatility, and geopolitical tensions
U.S. Financial Stability Oversight Council said
there has been a shift in the composition of life insurers’ liabilities and an increase of private equity firms
Insurance Europe supports the European Commission’s ambition to build a Savings and Investments Union. The insurance sector plays a crucial role in achieving the SIU’s goals
The directors and officers (D&O) insurance market has experienced favorable results in recent years, but ongoing risks and market uncertainties could challenge sustainability
U.S. life insurers have used reinsurance to reduce exposure to long-term care (LTC) insurance. The transactions strengthen balance sheets, improve capital efficiency
Will requiring insurance for gun owners reduce firearm-related violence and economic costs, or will it be struck down as an unconstitutional restriction on Second Amendment rights?