This week: Hackers eye your retirement, cars raise a $400B question, and our AI leaves the lab.

 

 

We keep it simple: what’s changing, what it means, and what to do about it, whether you’re running a team, closing business, or figuring out how to stay ahead.

Here’s what’s inside:

🔥 Headlines you’ll want to bring up at your next meeting
🧠 A behind-the-scenes look at what we just launched for SUPERAGENT
🤯 Trends shaping how insurance actually gets sold in 2025

 

 

Headline Mayhem

• 🔐 Your 401(k) just became ransomware bait.
  Cybercriminals are circling small retirement-plan providers because they know the security’s weaker, the data’s juicier, and the payouts are huge. If your firm touches retirement accounts and doesn’t have coverage dialed in… this is your wake-up call.

• 📊 U.S. commercial insurance pricing begins to cool
  After steady increases, Q1 premiums in commercial P&C climbed just 5.3% (down from ~6%). That’s still growth… but the slowest quarter in a long while.
  What it means: Buyers might get room to negotiate even if rate relief isn’t here yet.

• 📉 $1.1B says P&C is not okay.
  AM Best dropped the mic: property/casualty insurers posted over a billion in underwriting losses last quarter. If you thought we were done with rate hikes, think again.

 

 

 

Building in Public: Not A Drill, Live with Real Agents

This past week we hit a milestone.

After weeks of stress testing and quiet rebuilding, SUPERAGENT went live with its first real-time users. That’s right, agents are now using SUPERAGENT in flow to guide real conversations.

The product is no longer theory. It’s showing up, mid-call, and helping real agents in real time:

✅ Live transcription, split by speaker.
✅ Real-time checklist guidance.
✅ In-the-moment objection handling.
✅ Coaching surfaced as the conversation unfolds, not after.

To track progress:

🧪 We implemented LLM-as-a-Judge, moving past keyword scoring and into real semantic understanding of how well the AI performs.
🔍 We versioned prompts, built heat maps of fragile conversation spots, and started mapping where grounding holds and where it breaks.
❤️ We even launched post-call sentiment tracking, a small (but powerful) signal of not only what happened, but how the customer felt.

It’s still early. We’re learning nonstop. But ecstatic to work in both testing mode and impact mode. And each call brings us closer to our vision: a system that can support -and close- a sales conversation, start to finish.

 

 

Things That Make You Go What?

• 🧱 $100B in catastrophe risk says “good luck with that renewal.”
  USI’s mid-year market report says nat cat is reshaping coverage boundaries, carrier appetite, and everyone’s anxiety levels. Commercial clients should prepare for tougher placements, and probably tighter wallets.

• 🧠 Personal cyber: agents get it. Clients don’t.
  A new report says 84% of brokers understand personal cyber insurance. Only 43% think their clients do. Translation? Either it's a sales opportunity or a marketing failure.

• 🚘 AVs could implode the auto insurance model.
  Goldman Sachs just put it bluntly: autonomous vehicles could cut personal auto accidents and premiums in half. Great for drivers. Chaos for $400B worth of carrier revenue.

• 🧾 “Slow” ≠ “bad” at least in Florida.
  A new appellate court ruling said that delay in claims handling doesn’t automatically mean bad faith. Good news for insurers… less good for plaintiffs hoping to sue on timelines alone.

 

 

 

The Calendar You Actually Care About

🏙️ The Future of Insurance USA 2025 | June 12–13 • Chicago

Where legacy carriers meet startups and they both move fast.

🌴 FAIA Annual Conference | June 18–22 • Orlando, FL

Florida’s largest gathering of agents… education, networking, and regional regulations.

🎉 Producers in Paradise | June 19–23 • Key West, FL

Escape the spreadsheets for seaside seminars and serious agent networking.

🌺 NAMIC Management Conference | June 22–25 • Wailea, Hawaii

Mutual leaders focus on growth, governance, and leadership in paradise.

🎯 Triple‑I/Milliman Underwriting Projections | July 10 • Virtual

MEMBERS-ONLY Q3 exclusive: inflation, combined ratios, and underwriting outlooks for brokers. Contact members@iii.org for the secure registration link.

🌾 NAMIC Agricultural Risk Conference | July 16–17 • Des Moines, IA

Hands-on cases and risk modeling directly from the farm learning lab.

🌊 CIWA Summer Forum | July 20–22 • Monterey Bay, CA

Wholesale brokerage, capacity trends, and coastal market dynamics.

🎯 NAIC Summer National Meeting | Aug 10–13 • Minneapolis, MN

Where state regulators meet, models get revised, and carriers pay close attention.

💬 Got a cursed claim photo? An underwriting horror story? A new system you're secretly proud of?

Send it our way. We’re always watching for the weird and the wildly useful.

Next week: a peek under the hood of how our AI learns from objections, and how that’s changing how humans sell, too.

Until then, remember: speed wins. But clarity closes.

— Milan, Vlada & Vadym
(Your SUPERAGENTS)