Sujets
Réglementation et conformité
Les organismes de réglementation, les organismes de normalisation et les obligations de conformité qui déterminent la façon dont les produits sont illustrés, vendus et administrés.
Perspectives
Toutes les perspectivesWashington Is Putting Guaranteed Income on the Kitchen Table
Federal policy is creating favorable conditions for guaranteed income — pushing it into everyday consumer conversation and opening even greater opportunity for FIAs. The carriers who have modern infrastructure ready will capture the demand.
Lire la suiteMarch 13, 2026Building the Standards That Will Power the Next Decade of Annuity Connectivity
This year, a group of forward-looking carriers will onboard to Zinnia inforce servicing technology, powered by Zinnia Live, using new IRI-approved REST/JSON messaging standards — bypassing legacy XML entirely. Zinnia holds a seat on the IRI Messaging Standards Governance Committee and is helping co-author the standards that will shape how the industry operates for decades.
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Tous les épisodes
"Break Some Dishes" — A Sitting Commissioner on Where to Move Fast on AI, and Where to Stop Cold
Josh Hershman — Connecticut's Insurance Commissioner, and formerly a private attorney, deputy commissioner, open-source data-standards executive (openIDL), and life insurance company CEO — gives a regulator's candid map of AI in insurance. He borrows the EU's consumer-impact tiers to argue carriers should 'break some dishes' on internal use cases while moving carefully on anything that approves or denies a claim, calls annuity illustrations the single most tailor-made AI use case in the industry, and explains why McCarran-Ferguson, the NAIC's slow model-act machinery, and the ambiguous word 'testing' leave carriers frozen.
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"There's No Account With Your Name on It" — Chris Orestis Debunks Social Security's Biggest Myth
Chris Orestis has spent 30 years — first as a Capitol Hill and White House staffer, then as a three-time company founder — trying to fix the equation American families face when long-term care hits. In this conversation, he explains why only about 7 million long-term care insurance policies exist across a population of 340 million, why "care creep" quietly turns family members into unpaid full-time caregivers, and why Medicaid should be a family's payer of last resort, not their plan of first resort. He and Paul dig into the harder math underneath the headlines: the Social Security and Medicare trust funds' insolvency date has moved up from 2035 to 2032, and nothing meaningful will happen in Washington until after the 2028 election. Chris lays out the likely fix — higher earner contributions, means testing, and a possible increase to full retirement age — and makes the case that annuities, hybrid life/LTC products, are the industry's best answer to a shrinking safety net. The conversation closes on AI: why consumers are souring on bots, why AI-enabled fraud against seniors is exploding, and why verifying that an agent is a real, licensed human may be the industry's next big trust play.
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"The InsurTech Petting Zoo Is Over" — And What Comes Next
Nick Gerhart — former Iowa Insurance Commissioner, insurtech investor, and now COO of Homesteaders Life — makes the case that smaller carriers can finally outmaneuver the big guys. He talks about building adjacencies around pre-need insurance, why the AI governance framework needs rethinking, and why his single piece of advice to every insurance professional is the same: don't do nothing.
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