This week: AI gets benched (by Congress), cyber insurance explodes, Ford’s tech implodes, and agents get a tax cut win that feels like one.

 

 

 

Welcome back to the insurance newsletter that reads like your group chat, not corporate gobbledygook.

Here’s what’s cooking:

• 🔥 Headlines that make you question reality (and underwriting)

• 🧠 Strategic moves worth stealing before your competitors do

• 🤯 Stories you’ll 100% repeat at your next offsite

 

 

Headline Mayhem

• 💻 Cyber Insurance Premiums Are Booming. The Risks Are, Too.

A recent surge in AI-powered hacks is fueling record growth in cyber insurance.

Chubb and Munich Re are leading the charge, raising prices and rethinking what “coverage” even means.

Projections? $16.3B in global premiums this year. $30B+ by 2030. As one exec put it: “Cyber is the next climate.” Which is code for: underpriced, poorly understood, and about to get real expensive.

The upside? Startups with better risk modeling and smarter underwriting have a massive head start.

• 🛑 Congress Wants to Ban AI Regulation. Attorneys General Say: Not So Fast.

Buried in a sweeping federal tax bill: a clause that would block states from regulating AI for the next 10 years. Yes, really.

40 state attorneys general -including plenty of Republicans- called it reckless and anti-consumer.

California reminded D.C. that it already passed laws banning AI deepfakes and mandating AI disclosures in healthcare.

Apparently, bipartisan backlash is still possible in 2025.

 

 

 

Brand Moves to Try Today

If your website or email features a stock photo of a family in front of a generic house with a golden retriever… people interpret inauthenticity and certainly don’t feel trust.

Your clients want real.
Real people. Real wins. Real moments they can see themselves in.

Get going to achieve this instead:

• Snap candid shots of your team doing what they actually do — quoting, calling, explaining, winning.

• Feature client testimonials with names, faces (if you’ve got permission), and specifics.

• Show your office, your tech, your whiteboard full of scribbles — anything but another handshake stock shot.

Want to level it up?
→ Take one high-trust client and film a 30-second video: “Why I switched to [Your Agency].” No script. Just honesty.

🔥 Real beats polished. Authenticity builds trust faster than carrier logos ever will.

 

 

Things That Make You Go What?

• You Might’ve Just Unlocked $7.5K+ in Free Growth Budget

If your agency is an LLC, S-corp, or partnership (hint: 86% are), the new 199A deduction boost -from 20% to 23%- means real money back.

Quick math:
$250K in net income = $7,500 in extra tax savings
$500K = $15,000

How to get it:
✅ Be a pass-through entity
✅ Use the 199A deduction (talk to your CPA)
✅ Applies to 2025 returns - plan now

Use it to kill quoting friction, upgrade your onboarding, or finally test that AI tool.
Because tax breaks are nice — but closing faster is better.

• 🚗 Ford Recalls Over a Million Cars After Rearview Cameras Glitch Out.

Ford just recalled 1M+ vehicles after a software bug froze or delayed their backup cameras. The fix? An over-the-air update to the APIM — aka the dashboard’s operating system.

Affected models: everything from F-150s to Mustangs.
Affected confidence in embedded auto software? All-time low.

The line between insurable hardware and uninsurable software keeps getting blurrier.
Good luck to the claims adjuster fielding, “My car crashed because my screen froze.”

 

 

 

The Calendar You Actually Care About

📊 IASA Xchange™
June 8–10 | St. Louis
For the data nerds, policy wonks, and actuarial party animals.

🚀 Fintech + Insurtech Generations
June 11–12 | Charlotte
BBQ, bourbon, buzzwords. You in?

🏙️ The Future of Insurance USA 2025
June 12–13 | Chicago
Old guard meets new blood. Also, pizza.

Heard something that made you say Whaaat this week?

Got a cursed claim photo? A legal take hotter than Florida litigation?
Forward it. We love a good scandal.

Next week: how SUPERAGENT’s actually being built - training data, and the stuff AI learns from real agents.

Until then, remember: legacy systems aren’t the problem. Legacy thinking is.

— Milan, Vlada & Vadym
Your SUPERAGENTS