Insurance Business ReviewOCTOBER 20256Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorRaven Mcguire*Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEditorial StaffAaron Pierce Ava GarciaAlex D'Souza Abhinov PunnakkalJoshua ParkerSarah FernandesEditorialRaven McguireManaging Editoreditor@insurancebusinessreview.comIn 2025, the insurance industry stands at a moment of transformation, shaped by changing markets, rapid digital innovation, and rising consumer expectations. What was once a business built on policies and premiums has evolved into one centered on insight, adaptability, and proactive protection.Business insurance has grown increasingly complex as organizations navigate new layers of risk. Cyber threats, supply chain disruptions, and climate-related events are no longer occasional challenges but everyday realities. Insurers are moving beyond traditional indemnity models to deliver proactive risk management and resilience services. With predictive analytics and AI-driven underwriting, they help companies prepare for disruptions before they occur.Life insurance is also transforming. Longer lifespans, shifting financial priorities, and emerging health risks have prompted insurers to rethink their approach. Protection now pairs with investment and wellness, creating hybrid products that link financial security with personal well-being. Policies increasingly feature wellness incentives, data-driven insights, and digital tools that simplify everything from policy issuance to claims. Yet the industry must still balance affordability amid rising healthcare costs and economic uncertainty. Independent insurance agencies remain vital in this evolving landscape. In 2025, they use technology to deliver tailored solutions from multiple carriers while maintaining the personal relationships that set them apart. Agencies embracing embedded platforms, data-informed profiling, and strategic partnerships are finding new ways to stay relevant. Still, they face competition from insurtech startups and ongoing consolidation. The agencies that thrive combine expertise, trust, and agility to meet clients where they are. Across every segment, the industry is learning to balance adaptation with innovation. Success depends not only on operational excellence but also on anticipating what's next and preparing before it arrives.This edition features insights from Heather C. Pegram, Director, Global Insurance Risk Management, Hanesbrands Inc. and Jennifer M. Pack, Vice President of Risk Management, Hyatt Hotels Corporation. Their perspectives illuminate current conditions and future opportunities. We believe these insights will elevate your decision-making to new heights.Let us know your thoughts!Balancing Risk and Resilience in a Changing WorldVisualizersMichael WayneVictor CruzOCTOBER 2025, Vol 04 Issue 14 (ISSN 2837-1763) Published by ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessreview.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.com
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