Lisle, IL, August 31, 2026 — The American Association of Insurance Services (AAIS) is pleased to announce that Latitude Subrogation Services has joined the AAIS Partner Program, expanding the resources available to AAIS Member carriers seeking to improve financial outcomes, reduce claim costs, and strengthen operational performance.

Latitude Subrogation Services provides specialized subrogation and recovery solutions for property and casualty (P&C) insurers and reinsurers. Through a combination of industry expertise and a recovery-focused approach, Latitude helps carriers and reinsurers identify recovery opportunities, manage claims efficiently, and maximize recoveries while supporting a seamless policyholder and client experience.

“AAIS is committed to connecting our Members with trusted solutions that help them operate more efficiently and achieve stronger business outcomes,” said Keith Wolfe, President and Chief Executive Officer of AAIS. “We are excited about the opportunity for our Members to benefit from Latitude’s specialized subrogation recovery expertise and the value it can bring to their claims operations.”

As claims costs continue to rise, effective subrogation and recovery programs play an increasingly important role in helping insurers improve financial outcomes and operational efficiency. Through the AAIS Partner Program, Member carriers gain access to Latitude’s services and expertise, helping them reduce loss costs, increase recoveries, and create operational efficiencies without adding internal burden. From individual recovery services to comprehensive outsourcing solutions, Latitude offers flexible support designed to complement existing claims operations and processes, helping carriers strengthen financial performance while creating a better experience for claims teams and policyholders alike.

“Partnering with AAIS gives Latitude an opportunity to bring our specialized subrogation recovery expertise to a broader community of P&C insurers and reinsurers,” said Sheila Dye, Chief Operating Officer of Latitude Subrogation Services. “We look forward to helping AAIS Member carriers and reinsurers identify more recovery opportunities, reduce loss costs, and strengthen claims performance through a focused, technology-enabled approach.”

To learn more about how the AAIS Partner Program helps Members enhance operational efficiency and business performance, visit AAISonline.com or contact the AAIS Member Engagement team at membership@AAISonline.com.

About Latitude Subrogation Services
Latitude Subrogation Services is an expert subrogation partner helping insurers recover more with ease, efficiency, and confidence. Since 1997, Latitude has combined deep industry expertise, advanced technology, and customized outsourcing solutions to simplify the recovery process and allow insurers to stay focused on their core business. With a relentless approach to pursuing every recovery opportunity, Latitude helps carriers improve financial outcomes, reduce loss costs, and deliver results beyond expectations. Known for rapid responsiveness, transparent communication, and superior everyday service, Latitude earns trust by recovering more and making subrogation easier for its clients. For more information, visit latitudesubro.com.

About AAIS
Established in 1936, AAIS serves the property and casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & ag, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

Latitude Subrogation Services
Ivy Coscia
Director of Marketing
ICoscia@latitudesubro.com

AAIS
Wen Tilghman
Director of Marketing and Communications
went@AAISonline.com

Source: EIN Presswire

The post Latitude Subrogation Services Joins AAIS Partner Program to Help Insurers Maximize Recoveries and Reduce Loss Costs first appeared on AAIS.

This white paper explores AI from both perspectives: AI as a tool used by insurers and AI as a potential source of insured loss. It examines the regulatory, underwriting, and coverage implications of AI-related exposures, highlights areas where emerging risks may outpace existing policy language, and discusses how insurers and advisory organizations can take a thoughtful, intentional approach to managing AI-related risk while maintaining clarity for policyholders and regulators.

The post Governing the Tool, Insuring the Risk: AI’s Dual Role in Property and Casualty Insurance first appeared on AAIS.

Across committee meetings, conversations with regulators, and discussions with industry organizations, the same topics surfaced repeatedly: homeowners insurance affordability and availability, catastrophe risk, data transparency, artificial intelligence (AI), third-party models, cybersecurity, privacy, and regulatory modernization.

For me, the biggest takeaway was that regulators are not looking for a single solution. Instead, they appear to be considering a broader mix of tools, including better data, mitigation, market monitoring, transparency, rate review, technology oversight, and state-specific approaches.

Homeowners insurance remains the central issue. Affordability and availability continue to be major concerns for regulators and policymakers. Rising premiums, nonrenewals, catastrophe exposure, reinsurance costs, and consumer access to coverage are creating challenges that extend well beyond traditional rate regulation. The NAIC Property and Casualty Insurance (C) Committee’s adoption of the Affordability and Availability of Homeowners Insurance Playbook reflects a recognition that states need a range of options and that solutions will depend heavily on local market conditions.

Data is becoming more important and more complicated. Regulators want better information about what is happening in their markets, including homeowners data, statistical reporting, catastrophe data, mitigation data, and information tied to third-party models. At the same time, more data does not always mean better information. The challenge will be identifying the data that helps regulators understand market conditions without creating unnecessary reporting burdens for insurers.

Third-party models and AI are receiving more structured regulatory attention. The NAIC’s work on third-party data and models continues to evolve, including discussions of a voluntary regulatory framework for model and data providers. There are still practical questions about how such a framework would operate, but the broader message is clear: regulators are increasingly focused on how insurers use third-party data, advanced analytics, and AI.

Relationships continue to matter. Some of the most valuable conversations at NAIC meetings happen outside formal committee rooms. During the meeting, we spoke with regulators from several states about a range of regulatory and market issues, including filings, products, statistical reporting, third-party data, mitigation, AI, and homeowners insurance. Those conversations may not always produce immediate results, but they create opportunities and help build the trust needed for more constructive engagement over time.

For insurers, the practical lessons are clear:

• Regulatory intelligence needs to extend beyond traditional requirements.
• Data governance is becoming a regulatory issue.
• AI and third-party model governance should be proactive rather than reactive.
• Regulatory engagement should begin well before a filing is under review.

The NAIC Summer National Meeting reinforced that many of today’s regulatory conversations are connected. Homeowners insurance affordability and availability, catastrophe resilience, data transparency, AI, privacy, cybersecurity, and market sustainability may look like separate issues, but they are all part of a larger question: how do we build an insurance market that remains financially sustainable, technologically capable, appropriately regulated, and accessible to consumers?

Based on what I heard in Columbus, that conversation is only getting started, and those who stay engaged can help move it forward and shape where it goes next.

What are you seeing in your market? As the regulatory landscape continues to evolve, we welcome the opportunity to hear from insurers about the issues and challenges they are navigating. To continue the conversation, reach out to me at ChrisA@AAISonline.com.

The post NAIC Summer National Meeting: Insurance Regulation in Transition first appeared on AAIS.

Effective regulatory compliance involves more than simply following the statutory requirements. Insurers must also account for how regulators interpret those requirements and how evolving expectations may influence product decisions across jurisdictions. It is also important to stay forefront on emerging issues.

Our Regulatory Compliance team works closely with AAIS Member carriers to help them navigate the ever-changing regulatory landscape. With extensive experience working with insurance departments across the country and a deep understanding of the P&C insurance market, we provide practical, state-specific guidance throughout the filing and approval process. Our goal is to help Members make informed decisions, anticipate regulatory issues before they become obstacles, and move their products to market as efficiently as possible. As regulations continue to evolve, having experienced compliance professionals involved throughout the product development and filing lifecycle provides a significant advantage.

The Strategic Importance of State-Specific Regulatory Knowledge

When operating across multiple jurisdictions, compliance often influences product strategy long before a filing is submitted. Organizations must account for how requirements are applied within individual states and how those differences can influence product decisions over time. Differences in state statutes, filing requirements, regulatory priorities, and review approaches can affect how products are structured, modified, and introduced into the marketplace.

A strategy that works in one state doesn’t always work in another. Every jurisdiction has its own regulatory requirements, which means product strategies often need to be evaluated and, in some cases, adjusted before they can move forward. This is why state-specific regulatory expertise is such an important component of effective product development.

Having a regulatory professional with experience across multiple jurisdictions can help identify potential issues earlier in the process, allowing teams to assess options before filing activity begins. Incorporating compliance input alongside business objectives supports informed decision-making and helps organizations approach regulatory review with greater preparedness.

AAIS brings this state-specific expertise to every stage of the product lifecycle, helping Members understand and navigate jurisdiction-specific requirements as they develop, revise, and file products across multiple states. That support becomes particularly valuable as regulatory changes continue to emerge, requiring organizations to understand not only what has changed, but also how those changes may affect product and compliance decisions.

Turning Regulatory Developments Into Actionable Insight

Regulatory expertise extends beyond monitoring regulatory activity. Legislative actions, regulatory activity, and judicial decisions can influence how insurers develop and maintain products, but their practical impact is not always immediately clear. Identifying a change is only the first step. Carriers also need to determine whether it affects existing filings, product design, or ongoing compliance obligations.

Experienced regulatory professionals help bridge that gap by evaluating how changes may apply across jurisdictions and identifying where adjustments to filings, products, or implementation plans may be needed. For insurers, this proactive approach helps shift compliance from a reactive function to an ongoing part of product planning. Rather than responding to changes after they occur, organizations can evaluate potential impacts earlier and prepare more effectively for future filing and product management activity.

Through ongoing monitoring and analysis of regulatory activity, AAIS helps Members assess the implications of emerging changes and prepare for potential compliance impacts. With our new legislative tracking tool and upcoming filings monitoring tool, AAIS provides the level of context needed to understand how requirements are applied in practice across jurisdictions.

The Role of Experience and Relationships in Regulatory Expertise

Written regulations provide a foundation for compliance, but practical experience often provides additional insight into how requirements are reviewed and applied across jurisdictions.

Regulatory relationships also provide valuable context. Ongoing engagement with regulators and industry stakeholders helps professionals identify emerging areas of focus, understand evolving expectations, and gain broader awareness of priorities affecting insurers and their products.

AAIS’s position within the P&C insurance industry provides visibility into regulatory activity across jurisdictions. As a national, not-for-profit advisory organization, AAIS serves as a trusted connection between carriers, regulators, and other industry stakeholders. By monitoring the work of the National Association of Insurance Commissioners (NAIC), National Council of Insurance Legislators (NCOIL), and the Insurance Regulatory Examiners Society (IRES), AAIS stays informed of emerging regulatory and market developments while maintaining a strong focus on Member needs. This enables AAIS to provide timely insights and practical guidance that help Members navigate an evolving regulatory landscape with greater confidence.

Drawing on experience across compliance and product development, the AAIS Regulatory Compliance team helps Members evaluate jurisdiction-specific questions and prepare for regulatory review. That experience supports a practical approach that reflects both regulatory expectations and operational realities.

Combining State-Level Expertise With National Perspective

Operating in a multi-jurisdictional marketplace requires an effective regulatory strategy by understanding individual state requirements and awareness of broader industry developments. Focusing only on one level of the regulatory environment can create gaps; carriers need to recognize how jurisdiction-specific requirements fit within larger market and regulatory shifts. A holistic national view of the industry helps identify connections across jurisdictions and highlight emerging issues affecting the P&C marketplace. At the same time, state-specific knowledge remains essential for determining how broader changes may affect individual markets. Together, these perspectives help insurers evaluate product and compliance strategies more effectively.

AAIS’s role in P&C insurance provides Members with this dual perspective. By maintaining visibility into regulatory activity across more than 50 jurisdictions, AAIS helps Members navigate immediate compliance obligations while remaining aware of trends shaping the marketplace. That visibility supports a more collaborative approach to regulatory compliance. Rather than treating compliance as a separate step in the product process, insurers can incorporate regulatory input into product strategy from the beginning. Doing so helps organizations approach development and filing activity with greater preparation and confidence.

Moving Forward With Confidence

Effective regulatory compliance involves more than understanding requirements or submitting filings. It requires accounting for jurisdiction-specific expectations throughout the product lifecycle and maintaining awareness of changes that may affect products over time.

As regulatory demands continue to evolve, access to experienced professionals with knowledge of both state-level requirements and broader industry developments can help carriers better evaluate product and compliance planning while approaching regulatory review with greater preparedness. By providing that combination of state-specific expertise and broad visibility into the regulatory environment, AAIS helps Members navigate complexity, understand the practical implications of regulatory change, and move forward with confidence.

Key Takeaways

• State-specific expertise matters. Regulatory requirements, filing expectations, and review approaches vary by jurisdiction, making state-level knowledge essential for effective compliance and product strategy.
• Compliance is most effective when integrated early. Incorporating regulatory insight into product development helps insurers identify potential issues sooner and approach filings with greater confidence.
• Regulatory change requires more than monitoring. Understanding the practical impact of legislative, regulatory, and judicial developments is critical for maintaining compliance and supporting informed business decisions.
• Experience and industry relationships provide valuable context. Knowledge of how requirements are interpreted and applied across jurisdictions can help carriers navigate regulatory review more effectively.
• A national perspective complements state-level insight. Combining visibility into broader regulatory trends with deep jurisdiction-specific expertise enables insurers to make more strategic product and compliance decisions.

The post State-Specific Regulatory Expertise in Insurance Compliance first appeared on AAIS.

Lisle, IL, July 27, 2026 – The American Association of Insurance Services (AAIS) today announced the appointment of Arron Lamp as Chief Information Officer (CIO), effective August 10, 2026. He will lead AAIS’s enterprise technology strategy and modernization efforts, ensuring technology investments support the organization’s commitment to delivering innovative, secure, and efficient solutions for Member insurers.

“As technology continues to transform the property and casualty insurance industry, having a strong technology leader is essential to delivering on our mission and creating value for our Members,” said Keith Wolfe, President & CEO of AAIS. “We are excited to welcome Arron Lamp to our Executive Leadership Team. His experience leading technology strategy, cybersecurity, and digital transformation will strengthen our ability to enhance the Member experience and position AAIS for continued growth.”

As CIO, Lamp will be responsible for overseeing AAIS’s technology infrastructure, cybersecurity, data management, enterprise applications, and efforts to advance AI readiness to support the organization’s strategic objectives and operational excellence. He will partner closely with executive leadership and other departments to align technology capabilities with enterprise priorities while fostering a culture of continuous improvement, innovation, and responsible stewardship of AAIS’s technology assets.

“Technology is most valuable when it empowers people to do their best work,” said Lamp. “I’m excited to join AAIS at a time of tremendous opportunity to modernize our technology, leverage data more effectively, and deliver innovative solutions that help our Members succeed. I look forward to working with AAIS’s talented team to build a more secure and forward-looking technology foundation that enables AAIS to better serve our Members today and well into the future.”

Lamp brings more than 25 years of leadership experience in strategy, technology, AI, data and analytics, and large-scale digital transformation within the P&C insurance industry. He has held senior technology leadership roles with Tokio Marine HCC – Public Risk Group, Everest Insurance, and Travelers, and previously served in business transformation, distribution technology, and analytics leadership positions at Farmers Insurance, Beazley, Liberty Mutual, and Selective Insurance.

About AAIS
Established in 1936, AAIS serves the property and casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contact

AAIS
Wen Tilghman
Director of Marketing & Communications
went@AAISonline.com

Source: EIN Presswire

The post AAIS Appoints Arron Lamp as Chief Information Officer to Lead Enterprise Technology Strategy, Innovation, and AI Readiness first appeared on AAIS.

Lisle, IL, July 13, 2026 – The American Association of Insurance Services (AAIS) today announced the appointment of Kelly Reynolds as Chief Product Officer, effective July 20, 2026. She will lead the organization’s product strategy, portfolio, and innovation initiatives to help Member insurers navigate an increasingly dynamic property and casualty insurance market.  

“We are thrilled to welcome Kelly Reynolds to AAIS,” said Keith Wolfe, President & CEO of AAIS. “Her deep industry expertise, strategic vision, and passion for innovation make her an exceptional addition to our organization. As we continue to evolve our product strategy and deliver greater value to our Members, I am confident Kelly will play a pivotal role in strengthening our offerings and helping shape the future of AAIS.” 

As Chief Product Officer and a member of the Executive Leadership Team, Reynolds will be responsible for advancing AAIS’s product vision, strengthening product management capabilities, and delivering solutions that support the evolving needs of Member companies. 

“I am honored to join AAIS at such an exciting time in its evolution,” said Reynolds. “AAIS has built an incredible legacy of helping insurers navigate an increasingly complex marketplace, and I’m excited to contribute to that mission. I look forward to collaborating with our talented team to advance a product strategy that delivers meaningful value for our Members and supports their long-term success.” 

Reynolds brings more than 25 years of leadership experience across product management, underwriting, regulatory compliance, operations, and strategic transformation. Prior to AAIS, she led Product for Nationwide’s Commercial Lines and E&S & Specialty businesses, overseeing the strategy, governance, development, and management of a broad multi-line commercial insurance portfolio. Her experience across the insurance value chain—from agency operations and underwriting to enterprise product leadership—gives her a unique perspective on developing solutions that meet the evolving needs of insurers. 

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contact

AAIS
Wen Tilghman
Director of Marketing & Communications
went@AAISonline.com

Source: EIN Presswire

The post AAIS Appoints Kelly Reynolds as Chief Product Officer to Lead Product Strategy and Innovation first appeared on AAIS.

AAIS continues to advance initiatives that support Member success through enhanced engagement, regulatory transparency, and product innovation. Our June 2026 Progress Report highlights the addition of Russ McGuire as Chief Member Engagement Officer, the launch of the new AAIS Legislative Summary Tracker, and ongoing progress across key product initiatives, including the 2026 Farmowners Series, 2027 Homeowners Series, FLAMES, Personal Flood Insurance Program, and multiple commercial lines and inland marine refresh efforts. The report also covers continued expansion of implementation resources through the S2M Toolkit, advancements in DOI-approved rating innovation with Pinpoint Predictive, and the latest developments in emerging risk areas such as PFAS and microplastics.

Together, these updates reflect AAIS’s ongoing commitment to providing Members with the tools, insights, and solutions needed to navigate an evolving regulatory and insurance landscape.

The post AAIS Progress Report: June 2026 Edition first appeared on AAIS.

“In this newly created role, McGuire will lead a team encompassing Member Engagement, Member Success, Strategic Partnerships, and Marketing & Communications. This alignment is designed to strengthen how AAIS connects with and delivers value to its Members through a more integrated approach to engagement, feedback, and communication.

“Russ brings a strong track record of building meaningful client relationships and translating market insights into action,” said Keith Wolfe, President & CEO of AAIS. “His leadership will strengthen how we deliver value through our products and services and further deepen AAIS’s Member focus. This is an important step in how we continue to evolve as an organization.”

McGuire’s role will center on enhancing how AAIS gathers and applies Member insights, strengthening brand awareness, and improving the overall Member experience. This includes advancing more structured approaches to feedback and insight generation.

“AAIS plays a unique and important role in the insurance ecosystem, and I’m excited to build on that foundation,” said McGuire. “There’s a strong opportunity to deepen our relationships with Members and ensure their feedback continues to shape how AAIS evolves. I look forward to helping deliver meaningful value and outcomes for our Member companies.”

McGuire joins AAIS with more than 20 years of experience as a senior leader in insurance and reinsurance, with a focus on client management, business development, and strategic partnerships. Most recently, he has been advising organizations and leaders on commercial strategy, client engagement, and long-term value creation. Prior to this, he served as Managing Director at BMS Group and spent over 18 years at Swiss Re, where he held leadership roles including Managing Director, Globals Client Executive and Senior Vice President, Direct Treaty Reinsurance.

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contact

AAIS
Wen Tilghman
Director of Marketing & Communications
went@AAISonline.com

Source: EIN Presswire

The post AAIS Appoints Russ McGuire as Chief Member Engagement Officer to Strengthen Member Experience and Strategic Alignment first appeared on AAIS.

Most policy administration systems are designed for the living. They operate under the assumption that the people in the system remain alive, contactable, and actively engaged with their coverage. But when a policyholder passes away and that information doesn’t flow into the insurer’s systems quickly (or at all), a chain of operational, financial, and risk exposure consequences can unfold.

This isn’t an obscure edge case. It’s a real, measurable source of hidden risk that impacts underwriting precision, claims integrity, portfolio exposure, fraud susceptibility, and customer experience. What’s more, many carriers still rely on reactive, outdated, or incomplete data sources to detect these events — if they detect them at all.

This article will explore:

• The role of advanced data intelligence
• Why the death of a policyholder matters in P&C insurance
• The specific exposures carriers face when this event goes undetected
• How early mortality awareness changes outcomes

Why the Death of a Policyholder Matters in P&C Insurance

At first glance, it might seem counterintuitive — why would a policyholder’s death matter in personal lines P&C coverage? After all, P&C products insure things like homes, autos, and property liability, not human life.

But the reality is this: P&C systems and workflows are deeply dependent on accurate, current information about the people they cover. Policy terms, underwriting assumptions, occupancy classifications, exposure calculations, renewal decisions, and even risk tolerances can hinge on who owns the property and its contents, how the property is being used, and whether contractual obligations are still aligned with the risk profile.

When a policyholder dies, several things can change rapidly:

• Insurable interest in both the property and its contents may shift (e.g., to heirs, trusts, or estates)
• Occupancy may change (e.g., an inherited home becomes rented, vacant, or unoccupied)
• Contact information may become invalid or outdated
• Claims activity may include losses unrelated to current risk profiles

If those transitions are not reflected in the insurer’s systems, carriers may unknowingly underwrite, price, or pay claims based on outdated or incorrect assumptions.

For example, a home insured as a primary residence under one set of risk assumptions may become a long-term rental with an unknown tenant and occupancy profile after the insured’s death — yet the policy remains priced, structured, and administered as if nothing changed. That’s a recipe for unexpected losses.

The Hidden Risks of Life Events That Go Unnoticed

Let’s unpack some of the most common and costly scenarios carriers face when a death goes undetected within P&C systems.

1. Claims Paid on Invalid or Outdated Policies

One of the most direct financial exposures occurs when policies continue under outdated underwriting assumptions. If the insured’s death isn’t known, the policy may remain active, coverage continues, and claims are processed normally — even though the risk profile has fundamentally shifted.

This can lead to:

• Claims paid on coverage that should have been suspended
• Policies remaining in force without valid insureds
• Inaccurate reserve estimates
• Distorted loss ratios

For carriers operating in catastrophe-prone states — such as Texas, Florida, or California — those exposures are amplified. A hurricane, wildfire, or severe weather event impacting a large number of properties can trigger a surge of claims, some tied to policies that should no longer have been in force.

Without timely awareness of death, underwriting and claims teams are left reacting — often too late — instead of managing risk proactively.

2. Misclassified Property Use After Death

Behavioral and usage changes after a policyholder’s death are another source of hidden exposure.

Consider this common pattern:

1. A homeowner passes away
2. The property is inherited
3. Heirs rent it out or leave it vacant

These changes in use and occupancy profoundly affect underwriting risk. A home occupied by its owner generally presents lower risk than one that’s rented or vacant. Vacancy, in particular, is especially correlated to higher claims frequency due to things like theft, vandalism, unnoticed water damage, etc.

If a carrier doesn’t know these changes have occurred, they can:

• Underwrite and price the risk inaccurately
• Assign incorrect risk classifications
• Miss opportunities to adjust coverage or offer tailored product options

In these cases, the lack of timely life event awareness creates exposure that compounds over time.

3. Fraudulent or Misrepresented Claims on Inherited Personal Property

When heirs or third parties interact with a policy after the insured’s death, there’s a risk of fraudulent or misrepresented claims, particularly for personal property.

Without accurate data about death and ownership transitions:

• Claims may be filed on items that are not verifiable
• Inventories and loss values may be inflated
• The carrier may pay on claims that would not have otherwise been submitted

These types of claims erode profitability and create friction within claims operations. More importantly, they drain resources and can undermine confidence in internal fraud detection processes.

Accurate, timely death awareness gives claims teams a contextual trigger to review and validate claims before payment, helping prevent improper payouts.

4. Unnecessary Blanket Cancellations or Non-Renewals

In regions with known risk concentrations — particularly areas with large senior populations and higher mortality rates — carriers sometimes resort to broad cancellations or non-renewals as a risk reduction tactic.

Unfortunately, blanket actions like these can:

• Increase regulatory scrutiny
• Erode consumer trust
• Disrupt legitimate coverage
• Impact market conduct evaluations
• Create volatility in reported reserves

The root cause isn’t always lack of underwriting discipline — sometimes it’s simply lack of situational awareness.

With accurate, early death data, carriers can manage these decisions with precision, targeting only the accounts that warrant review, rather than sweeping entire populations.

Why Traditional Data Sources Fall Short

Why do so many carriers struggle with these issues in the first place? The short answer: most P&C systems rely on reactive, incomplete, or infrequently updated sources of life event data.

Common mechanisms for death awareness include:

• Internal customer service updates
• Returned mail or undeliverable contact information
• Policyholder outreach
• Periodic public record checks

These methods suffer from one or more limitations:

• They are reactive, not proactive
• They may lag the actual event by weeks or months
• They miss events that never generate a service interaction

In other words, carriers often only discover the life event after the downstream consequences have already unfolded — when a claim is submitted, a premium billing fails, or a customer service interaction reveals outdated information.

Another underlying challenge is data quality. Even when insurers attempt to match policyholder records against external data sources, incomplete or inconsistent information can prevent accurate identification.

Participant and policyholder records frequently contain gaps or inconsistencies such as:

• Missing Social Security numbers or dates of birth
• Name variations, including nicknames, maiden names, or spelling errors
• Outdated addresses
• Data entry mistakes

When key identifiers are missing or incorrect, even well-designed death audit processes can miss critical matches.

Addressing this challenge requires more than traditional data matching — it requires more complete data and earlier, more reliable event detection. That’s where The Berwyn Group steps in: helping P&C insurers close this visibility gap with more accurate and timely mortality intelligence.

Turning the Problem into a Strategic Advantage

The solution isn’t simply more frequent manual checks or broader data pulls. It’s about combining a richer universe of data with intelligence that can detect events earlier and more reliably. That’s where advanced death intelligence and population data management comes into play.

At The Berwyn Group, the CertiDeath^® solution is designed to provide:

• Earlier mortality detection — often within five to seven days of the event
• Access to a proprietary database of confirmed deaths sourced from tens of thousands of structured and unstructured sources
• Actionable alerts that integrate directly with underwriting, claims, compliance, and policy administration systems
• Precision that supports operational decisions, risk management, and exposure control

While CertiDeath^® delivers critical mortality intelligence, many organizations also look to complementary data quality practices, such as Data Cleanse and Location Services, to help maintain accurate and up-to-date policyholder records. This transforms what was once a blind spot into an area of risk intelligence.

The Scale of Missing Data in Practice

Recent analysis from CertiDeath^® client data highlights the scale of missing or incomplete key policyholder data. In 2025, 73.6% of CertiDeath^® accounts loading files were missing at least one key data element — Social Security number, name, date of birth, or location — across more than 1,553 organizations. Closer examination reveals several common patterns:

• 21% of accounts were missing Social Security numbers, affecting an average of 9.1% of records per account, representing roughly 5.3 million records
• 38% of accounts were missing dates of birth, impacting an average of 6.4% of records, or approximately 1.6 million records
• 66% of accounts were missing ZIP codes, affecting an average of 11.3% of records, totaling more than 17.6 million records

When these foundational data elements are incomplete, the ability to detect life events — including deaths — becomes significantly more difficult. The result: delayed awareness, missed matches, and greater exposure to the downstream risks described earlier. That’s a risky position for any insurer.

How Early Detection Impacts Key Functions

Recent analysis from CertiDeath^® client data highlights the scale of missing or incomplete key poLet’s look at how earlier mortality intelligence tangibly improves key insurance functions:

Underwriting

• Improves risk classification and pricing accuracy
• Reduces exposure from policies that are no longer aligned with actual risk
• Supports portfolio risk segmentation with cleaner data

Claims

• Flags situations where claims may be inappropriate or require review
• Reduces improper payouts on invalid policies
• Supports fraud detection workflows with contextual triggers

Operations

• Enhances contact data accuracy
• Improves renewal and retention strategies
• Reduces operational inefficiencies caused by outdated records

Compliance

• Reduces audit risk tied to improper policy treatment
• Helps satisfy regulatory expectations for data quality and accuracy

Real-World Impact: What Leading Carriers Are Seeing

Carriers that have integrated early mortality intelligence into their workflows through advanced data sources report:

• Fewer claims paid on invalid policies
• More precise underwriting risk assumptions
• Fewer unnecessary cancellations and non-renewals
• Higher quality data for modeling and forecasting
• Improved operational velocity and lower administrative cost

These outcomes matter in a market that demands profitability, efficiency, and confidence in decision-making.

Conclusion: Closing the Blind Spot in P&C Insurance

In P&C insurance, even small gaps in information can cascade into larger operational, financial, and risk exposures. Missed life events — such as the death of a policyholder — impact underwriting accuracy, claims integrity, portfolio exposure, and overall operational efficiency.

Most policy administration systems weren’t designed to detect these events, and traditional data sources are often reactive, incomplete, or slow. Advanced mortality intelligence, like The Berwyn Group’s CertiDeath^®, provides timely, actionable insights that allow carriers to respond proactively, maintain portfolio integrity, and reduce hidden exposure.

Closing this blind spot isn’t just a technical upgrade — it’s a practical step toward more informed decision-making across underwriting, claims, compliance, and operational functions. In a market defined by precision and accountability, staying ahead of these events ensures that carriers can manage risk effectively and maintain confidence in every decision they make.

Learn more about The Berwyn Group and the solutions they provide to AAIS Members at berwyngroup.com.

The post Closing P&C Insurance Blind Spots with Mortality Data first appeared on AAIS.

As unmanned aircraft become more integrated into the United States’ airspace, the regulatory, operational, and risk landscapes have grown increasingly complex. The Federal Aviation Administration (FAA) regulates how unmanned aircraft may be used and by whom, while privacy expectations and liability exposures introduce new challenges for operators and insurers alike.  

This white paper provides a comprehensive exploration of unmanned aircraft systems through multiple lenses: their uses, history, mechanics, regulatory environment, property and liability perils, underwriting considerations, privacy implications, and future technological evolution.

Click below to download your copy.

The post Unmanned Aircraft and Insurance: Risks, Regulation, and the Road Ahead first appeared on AAIS.