Signals from the Top: Where U.S. Insurance Goes Next
The U.S. insurance industry stands at a crossroads. Capital is strong, innovation is accelerating, but beneath the surface, everything is shifting.

Catastrophe losses are climbing. AI is moving from pilot to production. Climate risk is rewriting underwriting rules. And the gap between societal expectations and economic reality is widening in high-risk regions.

We sat down with three CEOs leading some of the largest insurance operations in the Americas: 
Inside you'll find:

  • The real state of the U.S. insurance market, including where CEOs see softening, where discipline is tightening, and which structural pressures are building beneath the surface
  • Where AI is actually delivering value versus where insurers are stuck in “pilot mode,” with insights from AXA XL, Markel and Allianz on what real transformation looks like
  • CEO‑level views on the next major tests for industry resilience, including inflation volatility, geopolitical instability, and the growing mismatch between societal expectations and insurable risk
Their insights reveal an industry that sees what's ahead. The question is whether it will move fast enough.
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Reuters Events: The Future of Insurance USA 2025
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