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Michael S. Fischer is a longtime contributing writer for ThinkAdvisor. He previously reported on trade and intellectual property topics for the Economist Intelligence Unit and covered the hedge fund industry for MARHedge and Reuters News Service.
In these states, WalletHub reports, the expenses take a big chunk out of household income.
Costs topped $40,000 per child in the two most expensive states while dipping below $20,000 in one, SmartAsset finds.
Nearly two in 10 adults in the U.S. are age 65 or older.
All these states show growth in retirement-age residents, but the number of young children in some is shrinking.
Seven out of 10 people in the U.S. feel the world is unstable and worry about their finances.
Factors that make a city less safe for residents, and riskier for insurers, go beyond crime, SmartAsset reports.
Wholesale, excess and surplus lines insurance carriers step up to cover risky commercial and residential buildings.
The United States minted more than 1,000 millionaires a day in 2024, according to the UBS Global Wealth Report.
These enclaves are home to six-figure earners in multimillion-dollar houses, according to GOBankingRates.
The Economist Intelligence Unit ranked 173 cities in areas like culture, health care, education, stability and infrastructure.
Resources
ZestyAI
From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download Resource
ECHO
From ECHO
As payment fraud grows more sophisticated, legacy systems struggle to keep pace. This guide offers expert perspectives on risk and security, outlining nine critical questions to help you protect your healthcare or insurance payments.
Download Resource
ECHO
From ECHO
P&C insurers invest heavily in technology but still rely on multiple systems for claims payments. This brief outlines how a single, integrated solution can streamline workflows, reduce costs, and improve the claimant experience.
Download Resource
REInsurePro
From REInsurePro
The rental market is evolving. This guide equips agents to navigate the complexities of insuring short-term rentals, flips, and vacant properties, helping you avoid coverage gaps and better serve real estate investor clients.
Download Resource
REInsurePro
From REInsurePro
The real estate investment sector is booming, bringing a surge of clients who need more than just a basic property policy. Learn how to anticipate their coverage needs, bridge the knowledge gap, and position your agency as an indispensable partner as they grow their portfolios.
Download Resource
ePayPolicy
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download Resource
ePayPolicy
From ePayPolicy
Disconnected payment systems create friction, stall cash flow, and increase audit risk for MGAs, carriers, and agencies. This guide explores the insurance payment ecosystem and how to fix bottlenecks without a total infrastructure remodel.
Download Resource
ECHO
From ECHO
With 79% of organizations impacted by payment fraud, legacy systems are failing to keep pace. This guide explores nine critical questions to help insurance organizations modernize their defenses and protect against today's threats.
Download Resource
ZestyAI
From ZestyAI
For years, competitive analysis has centered on pricing. But filings now show a deeper shift underway -- one that's harder to see, slower to benchmark, and far more durable. This special report analyzes millions of regulatory filings to reveal how the modern insurance contract is being rewritten, and what it means for your competitive position.
Download Resource
One Inc
From One Inc
The auto claims process is a critical moment of truth for insurers. This report reveals the key drivers of claimant satisfaction, from communication to payment speed, and provides data-backed insights on how to build lasting customer loyalty.
Download Resource
ZestyAI
From ZestyAI
After three consecutive years of record-breaking severe convective storm (SCS) losses, the risk landscape has changed. This report provides critical insights into the drivers of these losses and what insurers must know to protect portfolios in 2026.
Download Resource
One Inc
From One Inc
Insurers are facing converging challenges. From AI and climate risk to economic volatility, this report explores the 12 key trends defining 2026. You'll discover the strategic insights you need to navigate complexity and stay competitive.
Download Resource
American Integrity Insurance
From American Integrity Insurance
The P&C market is stabilizing, but new challenges and opportunities are emerging. This whitepaper outlines the key market, loss, distribution, and regulatory trends to help independent agents adapt, position effectively, and grow profitably.
Download Resource
Homeowners of America
From Homeowners of America
Technology and data are transforming the insurance landscape. This white paper outlines how independent agents can strengthen their relationships and grow their book of business through stronger insights, more purposeful strategy, and modern tools.
Download Resource
ePayPolicy
From ePayPolicy
Paper payments are driving significant losses through hidden costs, manual labor, and compliance risks. This guide reveals the true financial drain of manual workflows and provides a clear path to digital payment optimization to boost your bottom line.
Download Resource
ZestyAI
From ZestyAI
Non-weather water damage is a top peril eroding profitability for insurers, and traditional risk models fall short. This guide explores how AI-powered, property-level data can improve underwriting, pricing accuracy, and proactive risk mitigation.
Download Resource
ZestyAI
From ZestyAI
Traditional roof risk assessment falls short. Ballooning combined ratios demand better methods. This guide reveals how AI and new data sources provide significant lift over traditional models for hail and wind risk.
Download Resource
ZestyAI
From ZestyAI
Explore how AI is reshaping underwriting, pricing, and claims--while meeting rising regulatory expectations. This special guide cuts through the noise to reveal real-world use cases, debunk myths, and offer actionable best practices for responsible implementation.
Download ResourceZestyAI
From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download ResourceECHO
From ECHO
As payment fraud grows more sophisticated, legacy systems struggle to keep pace. This guide offers expert perspectives on risk and security, outlining nine critical questions to help you protect your healthcare or insurance payments.
Download ResourceECHO
From ECHO
P&C insurers invest heavily in technology but still rely on multiple systems for claims payments. This brief outlines how a single, integrated solution can streamline workflows, reduce costs, and improve the claimant experience.
Download ResourceREInsurePro
From REInsurePro
The rental market is evolving. This guide equips agents to navigate the complexities of insuring short-term rentals, flips, and vacant properties, helping you avoid coverage gaps and better serve real estate investor clients.
Download ResourceREInsurePro
From REInsurePro
The real estate investment sector is booming, bringing a surge of clients who need more than just a basic property policy. Learn how to anticipate their coverage needs, bridge the knowledge gap, and position your agency as an indispensable partner as they grow their portfolios.
Download ResourceePayPolicy
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download ResourceePayPolicy
From ePayPolicy
Disconnected payment systems create friction, stall cash flow, and increase audit risk for MGAs, carriers, and agencies. This guide explores the insurance payment ecosystem and how to fix bottlenecks without a total infrastructure remodel.
Download ResourceECHO
From ECHO
With 79% of organizations impacted by payment fraud, legacy systems are failing to keep pace. This guide explores nine critical questions to help insurance organizations modernize their defenses and protect against today's threats.
Download ResourceZestyAI
From ZestyAI
For years, competitive analysis has centered on pricing. But filings now show a deeper shift underway -- one that's harder to see, slower to benchmark, and far more durable. This special report analyzes millions of regulatory filings to reveal how the modern insurance contract is being rewritten, and what it means for your competitive position.
Download ResourceOne Inc
From One Inc
The auto claims process is a critical moment of truth for insurers. This report reveals the key drivers of claimant satisfaction, from communication to payment speed, and provides data-backed insights on how to build lasting customer loyalty.
Download ResourceZestyAI
From ZestyAI
After three consecutive years of record-breaking severe convective storm (SCS) losses, the risk landscape has changed. This report provides critical insights into the drivers of these losses and what insurers must know to protect portfolios in 2026.
Download ResourceOne Inc
From One Inc
Insurers are facing converging challenges. From AI and climate risk to economic volatility, this report explores the 12 key trends defining 2026. You'll discover the strategic insights you need to navigate complexity and stay competitive.
Download ResourceAmerican Integrity Insurance
From American Integrity Insurance
The P&C market is stabilizing, but new challenges and opportunities are emerging. This whitepaper outlines the key market, loss, distribution, and regulatory trends to help independent agents adapt, position effectively, and grow profitably.
Download ResourceHomeowners of America
From Homeowners of America
Technology and data are transforming the insurance landscape. This white paper outlines how independent agents can strengthen their relationships and grow their book of business through stronger insights, more purposeful strategy, and modern tools.
Download ResourceePayPolicy
From ePayPolicy
Paper payments are driving significant losses through hidden costs, manual labor, and compliance risks. This guide reveals the true financial drain of manual workflows and provides a clear path to digital payment optimization to boost your bottom line.
Download ResourceZestyAI
From ZestyAI
Non-weather water damage is a top peril eroding profitability for insurers, and traditional risk models fall short. This guide explores how AI-powered, property-level data can improve underwriting, pricing accuracy, and proactive risk mitigation.
Download ResourceZestyAI
From ZestyAI
Traditional roof risk assessment falls short. Ballooning combined ratios demand better methods. This guide reveals how AI and new data sources provide significant lift over traditional models for hail and wind risk.
Download ResourceZestyAI
From ZestyAI
Explore how AI is reshaping underwriting, pricing, and claims--while meeting rising regulatory expectations. This special guide cuts through the noise to reveal real-world use cases, debunk myths, and offer actionable best practices for responsible implementation.
Download ResourceZestyAI
From ZestyAI
Roof age is one of the most critical factors in property insurance, yet it?s also one of the most unreliable. For years, insurers have relied on self-reported or agent-supplied data that is often inaccurate, incomplete, or outdated. This report reveals how an AI-powered, multi-source approach provides the truth about roof age and its impact on risk.
Download Resource