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As we think about just AI being much more of a variable cost rather than a fixed cost
is there like a future where the functions and then the coordinations will be globally across departments in underwriting
what are the low hanging fruits that you think that are you're readily that you're ready to take advantage of and then that can maybe show up in the numbers
would this be an orchestration that sits on top of all the technology for American International Group, Inc. and then thus manage that way, or is the orchestration layer just for localized AI systems?
any particular components within the tariff that is more sensitive. For example, are there like, wi
used car versus new car sales. Right? Like, if you think about, just the recent, auto sales and
on the point of severity, shouldn't theoretically we see an improvement in severity?
Autonomous driving, it's been an increasingly more topical discussion
Curious is your view on inflation going forward. I think if we had this conversation 6 months ago
is there a need to move further to the higher duration part of your fixed income portfolio?
will that have an impact on your frequency or severity, especially given that you just recently achieved profitability in New York
everyone is talking about pivoting to growth. Just curious how you think about just new business retention, ad spending efficiency
If homeowner competitors were to pull back, does that disrupt their bundling strategy in your view?
Curious how you should think about capital allocation, but also capital return at this point of the junction given market has been volatile
Should we expect your current level of combined ratio to hold for auto as you head into a environment where everyone is looking for growth?
Is this fair to kind of make some type of causal correlation between the time you achieve profitability and the time that you you start to grow the business?
Can you maybe talk about the durability of growth in the EMEA segment?
Is there a reason not to think that you cannot maintain the current buyback momentum?
As we think about AI expense, it's variable expenses, it's token-driven, prompt-driven on the input cost side
As we think about the Middle East conflict, the elevated energy price should have a fairly notable impact on GDP in Asia
can you give us a little bit more color in terms of what competition for talent looks like today? Obviously, there are some brokers that are extremely aggressive out there
do you foresee more attractive valuation for M&A, or do you, in other words, see more opportunities for inorganic growth?
how you think about the competitive environment now that data center is very much in the front and center of discussions for insurance
how you think about that capital deployment going forward between the acquisitions that NFP is going to make versus how you think about buybacks versus dividends?
It feels like competition for talent is still intense, and then you, you briefly mentioned that about staffing.
As AI cost potentially increases going forward, you mentioned that you’re still really focused on margin
Just curious about how you think about the employee benefit business going into rest of the year going forward?
How durable is your rate environment in your particular part of the personal line business?
should we see a natural improvement on accident year loss ratio? Is that the right way to think about it?
Can you maybe help us to think about the growth trajectory over the next 5 years
Can you maybe help us unpack this concept a little bit? Just -- we're hearing inflationary concerns out of Asia
Maybe can you give us a little bit of color outside of Mexico in Latin America in terms of -- what is the opportunity there
can you maybe give us a little bit of the competitive dynamics there, right? You made an acquisition there this year
administration has talked about potentially phasing out FEMA. And if that were to happen, does that have an impact
My first question is about Latin America. You had a pretty strong Latin America growth in 2024
It feels like multiple carriers in the Personal Line also have similar underwriting profile at this time. Can you maybe just help us think about, as you pivot into growth, what is the competitive d...
can you maybe help us get a sense of how much of loss picks would have gone up from the initial loss pick assumptions for the year
how should we think about what is a normal run rate for that long-term disability business in terms of incidence and claims recovery
can you maybe just talk about your competitive positioning versus the industry and where you are in the car business today and how we should think about that growth engine going forward?
can you maybe help us think about the potential size of that market and the growth opportunities there for the industry, but also for Lemonade
Can you maybe help us think about how we should assume a retention rate for your current cohort of business in the Car side?
Is the guidance not moving as much as the first quarter beat, it's just purely a function of conservatism?
As that business mix shifts, does your LTV assumptions change going forward?
can you maybe talk about what is a path to GAAP net income profit going forward?
Are we in a prolonged soft market just given the profitability environment?
Can you maybe help us get a better handle on severity trends, specifically collision?
as we head into 2026, can you maybe comment on your thoughts on severity?
how you plan to navigate the future of autonomous from a Personal Auto insurance context?
Do you need to maintain the current level of ad spending in an increasingly competitive environment?
you talked about policy life expectancy for personal auto declined 5% due to -- due in part to business mix shift.
if we remove the tariff as a headwind, is it fair to say that you should be able to grow much more aggressively or reduce your pricing significantly?
do you plan to take rate decreases in order to accelerate growth?
Do you feel that the 90-days is enough to kind of regain the public trust
can you maybe help us understand like what is the latest trend that you think would be good growth opportunities in Brazil
Is Prismic the most efficient way from a pricing perspective to reinsure business out of Japan? Or are there other reinsurance opportunities that you can evaluate
is it possible maybe to kind of provide some color in terms of how we should think about the VII into the second quarter or maybe the rest of the year
Industry seems to be facing continued headwind from litigation cost and reserve challenges
Are there areas where you think maybe the market is too cautious, and it represents a very big opportunity for you
Is there some way to think about the balance between growing inorganically versus buyback and dividends?
are there any lines of business right now where you feel within casualty or you feel the pricing trend is beginning to not make sense anymore.
you can essentially turn on and turn off growth. Can you maybe help us to understand how quickly you can turn that growth
any particular geography in the US where you feel it could be represented like a higher risk area