The way insurers respond to these trends will determine whether they have a positive or negative impact on the industry.

Insurers are more likely to grow and thrive when they invest in modernizing their underwriting function with new data and technology.

Premiums could more than quadruple in the most flood-prone areas of the U.S., shows new data from First Street Foundation.

Some states lack retirement-friendly qualities such as affordability, quality health care, low crime rates and more.