Understanding the impact of flooding on mortgage risk

Critical Point

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Mind The Business: Small Business Success Stories

1
Understanding Taxes as a Newly Formed Small Business - Part 2 of the Small Business Starter Kit 28:24

för 19 dagar sedan28:24

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28:24

In our second installment of the Small Business Starter Kit series - we’re tackling a topic that’s sometimes tricky, sometimes confusing, but ever-present: taxes. Hosts Austin and Jannese have an insightful conversation with entrepreneur Isabella Rosal who started 7th Sky Ventures , an exporter and distributor of craft spirits, beer, and wine. Having lived and worked in two different countries and started a company in a heavily-regulated field, Isabella is no stranger to navigating the paperwork-laden and jargon-infused maze of properly understanding taxes for a newly formed small business. Join us as she shares her story and provides valuable insight into how to tackle your business’ taxes - so they don’t tackle you. Learn more about how QuickBooks can help you grow your business: QuickBooks.com See omnystudio.com/listener for privacy information.…

för 4 år sedan 28:59

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Flooding stands out among other natural catastrophes because of the risk it poses to the financial health of the average U.S. homeowner. In this episode, Milliman flood risk experts Dave Evans and Cody Webb are joined by Andrew Netter from Milliman’s mortgage group and Brand Katz from KatRisk to discuss the relationship between flood insurance and mortgage risk, and how that risk can impact financial instruments designed to cover mortgage default exposure.
You can read the episode transcript on our website.

59 episoder

#Tech #Business #Millimans #Insurance #Healthcare #Technology #Retirement #The Propertycasualty #Risk Management #Insurtech #Financial Services

Critical Point

Understanding the impact of flooding on mortgage risk

Critical Point

published för 4 år sedan

Dela

MP3•Episod hem

59 episoder

#Tech #Business #Millimans #Insurance #Healthcare #Technology #Retirement #The Propertycasualty #Risk Management #Insurtech #Financial Services

Alla avsnitt

Critical Point

1
Artificial intelligence and insurance, part 3: Global regulations and trends 28:44

för 6 weeks sedan28:44

28:44

AI has taken the world by storm—but not all insurance companies, or countries, are approaching the technology the same way. On this special episode of Critical Point, experts from Munich Re and Milliman who work across five continents come together for a global conversation exploring how insurers and regulators are approaching AI around the world. Plus, don’t miss Part 1 and Part 2 of this series on AI and insurance. You can read the episode transcript on our website .…

Critical Point

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How can Medicaid pay for cell and gene therapies? 25:57

för 14 weeks sedan25:57

25:57

Cell and gene therapies have been grabbing news headlines, both for their potential to cure rare diseases and for their million-dollar price tags. Milliman pharmacists and healthcare experts explain why state Medicaid agencies are particularly affected and the strategies many are using for predicting uptake and covering these high costs. You can read the episode transcript on our website .…

Critical Point

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Healthcare costs in a presidential election year 20:28

för 24 weeks sedan20:28

20:28

Healthcare costs are a hot topic as we approach open enrollment and the presidential election. In this episode of Critical Point, host Deana Bell sits down with Dave Liner and Jason Clarkson, principals at Milliman and co-authors of the Milliman Medical Index (MMI), to discuss the key drivers of 2024’s healthcare costs. They dive into the effects of government programs like Medicaid and the Inflation Reduction Act, the rising use of weight loss medications, and how these factors are shaping healthcare costs for Americans on employer-sponsored insurance. Learn how policy changes and market trends could impact your healthcare expenses and decisions in the coming year. You can read the episode transcript on our website .…

Critical Point

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Ten questions everyone’s asking about captives 22:59

för 32 weeks sedan22:59

22:59

Cyber risk, climate change, new pharmaceutical therapies—as companies look for ways to manage increasing costs and unforeseen exposures, captives are a popular mechanism to insure against the unexpected. Around since the 1950s, today there are more than 7,000 captive insurers worldwide, with many headquartered in Vermont, Bermuda, and the Cayman Islands. As these insurance vehicles grow in popularity, Milliman experts answer the top 10 questions everyone’s asking about captives. You can read the episode transcript on our website .…

Critical Point

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Increasing diversity in clinical trials 28:43

för 39 weeks sedan28:43

28:43

Drugmakers are taking steps to make sure clinical trials include participants from a variety of backgrounds—and they are steadily making progress, as evidenced by new studies of multiple sclerosis and sickle cell disease. Milliman health researchers Ellyn Russo and Chris Page unpack a history of distrust in medical research, the implications of failing to attract diverse study participants, and how simple strategies like rideshare vouchers, childcare, and check-in apps can help expand a study’s reach, so more patients have access to the latest treatments and medical research moves forward. You can read the episode transcript on our website .…

Critical Point

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Why life insurers are investing in private equity and real estate 29:09

för 45 weeks sedan29:09

29:09

Life insurers have historically invested their portfolios in the relative safety of mortgages and bonds, but economic volatility, sticky inflation, and other headwinds have spurred many insurance companies to diversify into alternatives, a trend explored in a recent Milliman paper . On this episode of Critical Point, three of the paper’s authors discuss two alternative asset classes that are particularly attractive to insurers in today’s market: private equity and real estate. They talk about unexpected assets like student housing and storage facilities, the synergy of private equity firms investing in insurers and vice versa, and why many insurance companies continue to hold commercial real estate despite post-pandemic office vacancies. You can read the episode transcript on our website .…

Critical Point

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Are corporate pension plans making a comeback? 19:57

för 1 year sedan19:57

19:57

For decades, companies with traditional pensions have been freezing those plans and replacing them with defined contribution options to help their employees save for retirement. But IBM made headlines when it restored its defined benefit program in early 2024. Three Milliman pension actuaries discuss this choice, new hybrid DB plan designs, and how plan sponsors can avoid the mistakes that led them to close their pension plans in the first place. You can read the episode transcript on our website .…

Critical Point

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Growing the actuarial profession in the developing world: Where the UNDP-GAIN initiative stands after one year 41:18

för 1 year sedan41:18

41:18

Actuaries are vital to the insurance industry and national economies, but the profession is still emerging in many developing countries. That’s why Milliman and the United Nations Development Programme have launched a program to increase actuarial capacity around the world. In this episode, five Milliman volunteers reflect on the initiative’s first year and their work in 10 countries, from Nigeria to Nepal. You can read the episode transcript on our website.…

Critical Point

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Artificial intelligence and insurance, part 2: Rise of the machine-learning models 38:23

för 1 year sedan38:23

38:23

In our second Critical Point episode about AI applications in insurance, we drill down into the topic of machine learning and particularly its evolving uses in healthcare. Milliman Principal and Consulting Actuary Robert Eaton leads a conversation with fellow data science leaders about the models they use, the challenges of data accessibility and quality, and working with regulators to ensure fairness. They also pick sides in the great debate of Team Stochastic Parrot versus Team Sparks AGI. You can read the episode transcript on our website .…

Critical Point

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Artificial intelligence and insurance, part 1: AI’s impact on the insurance value chain 34:05

för 1 year sedan34:05

34:05

Artificial intelligence has been the buzz term of 2023, evolving at a pace unimaginable when Milliman launched this podcast five years ago. For this 50th episode of Critical Point, we gathered a group of our AI experts to discuss how the technology is poised to reshape the insurance value chain, from hiring practices and actuarial modeling to customer service and communication. You can read the episode transcript on our website .…

Critical Point

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How extreme heat affects insurance—and how the industry can respond 25:21

för 2 years sedan25:21

25:21

Insurers are feeling the heat as another record-breaking summer finally cools off. In this episode of Critical Point, Milliman leaders Rich Moyer, Garrett Bradford, and Andi Shah—who have studied the impact of extreme heat from the Middle East to Europe to North Carolina—discussed the ramifications on property, workers’ compensation, health, and other types of insurance. They also talk about data, including available sources for measuring heat risk now, and the data they would like to see to help measure the future effects of a warming planet. You can read the episode transcript on our website .…

Critical Point

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Could pensions save big this year? Experts weigh in on 2023 PBGC premiums 13:55

för 2 years sedan13:55

13:55

After 2022’s rollercoaster of soaring interest rates and plunging investment returns, sponsors of single-employer defined benefit plans face a key choice as they calculate the 2023 variable rate premium they’ll pay to the Pension Benefit Guaranty Corporation (PBGC). Milliman pension actuaries Casey Baldwin and Ryan Cook spoke with Nina Lantz about using the full yield curve, not being afraid of the five-year lock-in, and how switching from the alternative calculation method to the standard method can mean the difference between a $100,000 premium and a premium of $1.7 million. You can read the episode transcript on our website .…

Critical Point

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Inclusivity in employee benefits: DE&I concerns in plan design and communication 23:41

för 2 years sedan23:41

23:41

As companies embrace diversity, equity, and inclusion (DE&I) efforts, many are realizing their benefit policies and communications can help address health inequities and be more inclusive. From modernizing the language in plan documents, to simplifying fertility care for same-sex couples, to not showing a skinny marathoner in the ads for your fitness challenge, Milliman’s Chief DE&I Officer joined health benefits experts to discuss how plan sponsors can help make sure all beneficiaries get the care they need. You can read the episode transcript on our website .…

Critical Point

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SECURE 2.0, Part 1: Tips for DC plans navigating contribution changes 23:01

för 2 years sedan23:01

23:01

When the SECURE 2.0 Act passed in late 2022, it introduced 92 provisions affecting retirement plans—and created a long to-do list for plan professionals. In this episode of Critical Point, Milliman employee benefits expert Nina Lantz talks with Brandy Cross, our director of defined contribution (DC) plan compliance, about how DC plans are coping. Learn which provisions plan sponsors are addressing first, and why it’s OK to wait before making plan changes. Plus, don’t miss Nina’s companion episode on SECURE 2.0’s impact on defined benefit plans . You can read the episode transcript on our website .…

Critical Point

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SECURE 2.0, Part 2: How the new retirement law affects single-employer defined benefit plans 20:57

för 2 years sedan20:57

20:57

In this companion episode to our look at SECURE 2.0 and defined contribution (DC) plans , Milliman employee benefits expert Nina Lantz explores how the new retirement law affects single-employer pensions. She talks with Milliman Consulting Actuary William Strange about what it means for retirement that life expectancy is rising more slowly, how companies can incentivize long-term employees, and why a reduction in insurance premiums could make corporate pension plan sponsorship appealing again. You can read the episode transcript on our website .…

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