Loss Cost, Frequency and Severity: By-Peril Trends in the U.S. Home Insurance Industry

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When it comes to accurately assessing risk for home insurance, not all perils are created equal. On top of that, different geographical areas may be impacted by different perils. The Wind peril, for example, includes hurricanes (primarily affecting t...

Why “We have always done it this way” is Not an Ideal Approach for Insurers Today

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This is the second blog in a series on Predictive Modeling in Life Insurance. Read the first blog here. Over the years, life insurers have adopted—and adhered to—certain practices because “they have weathered the test of time,” or because ...