Alan Demers and Stephen Applebaum // March 27, 2025 
(Image credit: Monoar_CGI_Artist/Pixabay.)
Until recently it was said that the only constant was change—now the only constant is uncertainty.
Uncertainty is at a generational high in almost every aspect of our lives; socially, financially, politically, and technologically. One of the most serious consequences of this uncertainty is its impact on risk assessment across all lines of insurance. However, it also represents a major opportunity for insurers.
Risk is defined as the odds or probabilities that future events can be estimated. The model of risk transfer is centuries old and