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Insurance underwriting and risk transfer, pension funding and workplace retirement systems.
How a 1978 tax provision grew into a workplace savings institution, why automatic enrollment followed, and what the asset totals conceal about access, costs and household outcomes.
An overseas sale can leave a business waiting for cash long after its costs are paid. Export credit insurance shares certain losses, but coverage limits and claim timing shape the outcome.
An insurance sale starts a long-running estimate of future claims. Travelers’ 2025 results and hypothetical examples show how underwriting, old claims and investments produce different measures of profit.
BNY’s frozen pension obligations and a Utah public-plan disclosure show why assets, discount rates and cash-flow timing tell different parts of the pension-funding story.
An insurer can buy protection against its own losses. A hypothetical storm shows how layers, limits, repeat events and payment delays determine what protection actually delivers.
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