Auto insurance is a necessity, but it doesn’t have to break the bank. With premiums rising in 2025 due to inflation, increased repair costs, and a surge in claims, finding ways to save on your car insurance is more important than ever. The good news? With a few smart strategies, you can instantly lower your … Read more
If you’ve been putting off opening a Roth IRA, 2025 might be the year that finally changes your financial future. With markets stabilizing, interest rates cooling, and tax laws still favoring long-term investors, a Roth IRA remains one of the smartest and most tax-efficient ways to build wealth — especially for young professionals and retirement … Read more
Climate change has become the single greatest threat to the global insurance industry, but its impact isn’t uniform. While the United States faces a growing wave of hurricanes, wildfires, and floods, Australia is fighting its own battles — from record-breaking bushfires to devastating floods and rising reinsurance costs. The result? Two nations dealing with the … Read more
Australia’s insurance industry is entering one of its most regulatory-heavy periods in decades. In 2025, three major frameworks — FAR, CPS 230, and ASRS — are reshaping how insurers operate, govern, and manage risk. These acronyms may sound like alphabet soup, but behind them lie powerful shifts in accountability, resilience, and sustainability. For insurers, brokers, … Read more
Australia has always been a country of extremes — from scorching bushfires to devastating floods. But in recent years, these disasters have grown so frequent and severe that they’re testing the limits of the nation’s insurance model. Insurers, homeowners, and governments are all grappling with a sobering question:Is Australia becoming uninsurable? With catastrophic weather events … Read more
Germany’s insurance market — one of Europe’s largest and most mature — is entering a new risk landscape defined by digital exposure, environmental volatility, and regulatory intensity. While premium growth is stabilising and investment yields have improved, insurers are facing structural challenges that threaten profitability and resilience. Three words define the industry’s near-term risk outlook: … Read more
Germany’s economy is settling into a familiar — and important — pattern for insurers: stable but slow growth. Policymakers, forecasters and industry economists broadly expect GDP expansion in 2026 to be modest (roughly in the 0.7–1.2% range), after stagnation or very weak growth in 2024–25. That macro backdrop has immediate, concrete implications for both property … Read more
Introduction When the FCA introduced the Consumer Duty framework, many in the financial services industry treated it as another regulatory buzzword. But two years on, it is beginning to exert real influence—especially in the insurance sector—affecting how claims are handled, how pricing is determined, and how firms must demonstrate value for customers. This article offers … Read more
Introduction After years of hardening terms, rising premiums and capacity constraints, the UK cyber insurance market is undergoing a dramatic shift—and for buyers, the outlook is looking unusually favourable in 2025. The phrase “buyer-friendly” is being used by major brokers and analysts to describe a market where coverage is broader, premiums are softer and capacity … Read more
Introduction UK financial services firms—including brokers—are facing a major shift. The Financial Conduct Authority (FCA) has launched a broad initiative to simplify its regulatory rulebook, removing outdated, duplicated or overly burdensome rules. This move is part of the FCA’s drive to become a “smarter regulator”, reduce compliance costs and support growth in the UK market. … Read more