How AI Is Changing Insurance: Underwriting, Claims & Policy Reviews in 2026
Reading Time: 2 minutesArtificial intelligence is reshaping how insurance companies underwrite risk, process claims, detect fraud, and review policies. For mid-market businesses, the practical impact is faster quotes, more granular pricing, and automated claims decisions that can work for or against you depending on how your data looks to the algorithm. The shift is accelerating in 2026 — […]
Supplemental Life Insurance: What It Is, What It Costs, and How Employers Design It (2026)
Reading Time: 11 minutesSupplemental life insurance is extra group term life coverage an employee buys through their employer on top of the basic company-paid policy. Basic group life usually covers one to two times salary; supplemental lets the employee elect additional multiples — commonly up to five times salary — paid through payroll deduction at group rates. It […]
Health Insurance Deductibles Explained: How They Work and How to Choose the Right Plan Design
Reading Time: 7 minutesKey Takeaways What it is: The amount employees pay out of pocket for covered medical services before the plan starts paying its share 2026 averages: Individual deductibles average $1,787 for PPO plans and $2,825 for HDHPs. Family deductibles run $3,500–$7,500 depending on plan type Employer cost lever: Raising the deductible by $500 typically reduces premium […]