https://actuary.info/insights/ag-49a-explained-benchmark-index-account-maximum-illustrated-rate-145-percent-earned-rate-loan-rule actuary.info en 2026-10-14T00:00:00-04:00 AG 49-A Explained: How the Benchmark Index Account, the 25-Year Lookback and the 145% Earned-Rate Test Set the Maximum Illustrated Rate on Indexed Universal Life https://actuary.info/insights/hannover-re-acorn-re-2026-kaiser-workers-comp-quake-cat-bond-multiple-spreads-fall actuary.info en 2026-10-14T00:00:00-04:00 Hannover Re Asks 2.7x Expected Loss for Kaiser's Workers' Comp Quake Bond as Cat Bond Spreads Fall 9.5% https://actuary.info/insights/hurricane-isaias-2026-florida-panhandle-first-hurricane-mid-single-digit-billion-loss-january-renewals-hold actuary.info en 2026-10-14T00:00:00-04:00 Isaias Lands as 2026's First Hurricane and Reinsurers Hold January 1 https://actuary.info/insights/unitedhealth-q3-2026-ai-expense-ratio-70-bps-clinician-workflow-not-claims-lokken actuary.info en 2026-10-14T00:00:00-04:00 UnitedHealth Cuts Its Expense Ratio 70 bps as the AI Gains It Quantifies Stay in Clinician Workflow https://actuary.info/insights/arkansas-walmart-opioid-duty-to-defend-2400-suits-bodily-injury-delaware-split-2026 actuary.info en 2026-10-13T00:00:00-04:00 Arkansas Court Orders Walmart's Insurers to Defend 2,400 Opioid Suits, Splitting From Delaware on Bodily Injury https://actuary.info/insights/cms-2027-medicare-advantage-star-ratings-188-contracts-37-percent-71-percent-enrollees-four-stars actuary.info en 2026-10-13T00:00:00-04:00 CMS 2027 Star Ratings: 188 Contracts at Four Stars, 71% of Enrollees, and a 6.3-Point Slide Out of the 70% Rebate Tier https://actuary.info/insights/nc-state-health-plan-atrium-copay-waiver-tiered-network-135-million-2026 actuary.info en 2026-10-13T00:00:00-04:00 North Carolina State Health Plan Sues Atrium as Copay Waivers Undercut a $135 Million Tiered-Network Bet