-
Summary
The mounting frequency and intensity of worldwide uncertainties, encompassing climate change, regulatory shifts, and fluctuations in the macroeconomic environment, present a multifaceted set of challenges for insurers as they embark on the new year. As a result, many firms have begun to embrace transformative measures to minimize losses in response to this evolving landscape, signaling a potential turning point for the industry.
Join us for a complimentary webinar in which subject matter experts from S&P Global Market Intelligence, S&P Dow Jones Indices, and S&P Global Ratings will dive into trends and challenges facing the insurance industry in 2024 and beyond.
Discussion topics will include:
• State of the industry in the era of higher for longer interest rates and inflation
• Impact of climate on risk-appetite amid high reinsurance costs and natural catastrophe losses
• Ongoing sharp divergence in underwriting results between personal and commercial P&C lines
• M&A, private equity, sidecars, and the offshoring of annuities
• Commercial real estate mortgage exposure
• Regulatory changes and implications of LDTI nearly a year later
Speakers
S&P Global Ratings
Carmi Margalit
S&P Global Ratings
Managing Director and Life Insurance Sector Lead
Carmi Margalit is Managing Director and the Life Insurance Sector Lead for the North American Financial Services Ratings group. Carmi leads the group’s research, commentary and analytical outreach efforts on life insurance. He serves as the subject matter expert on life and annuities in North America and is one of the primary voices of S&P Global’sinteractions with the market in the sector. He directly covers a portfolio of high profile life insurers and follows the entire sector very closely.
Prior to his current role, Carmi was the analytical manager of the life and health insurance team; he was an analyst on the life team and in the structured finance group before that.
Carmi is a Chartered Financial Analyst, holds an M.B.A. from Columbia Business School and a B.A. in industrial engineering from the Tel Aviv University.
S&P Global Ratings
John Iten
S&P Global Ratings
Senior Director, P/C Insurance Sector Lead
John Iten is a Managing Director and Property/Casualty Insurance Sector Lead in the North American Financial Services group at S&P Global Ratings.
John Iten is a Senior Director and Property/Casualty Insurance Sector Lead in the North American Financial Services group at S&P Global Ratings. He leads the group’s research, commentary, and investor outreach efforts on property/casualty insurance. He also has primary analytic responsibility for a portfolio of high-profile property/casualty insurers.
Prior to his current role John led a team of credit analysts within Nonlife Insurance responsible for a portfolio of North American property/casualty, multiline, title and bond insurers.
Prior to rejoining S&P in 2002, John was with Scudder Insurance Asset Management, a unit of Zurich Scudder Investments, for eight years where he focused on the management of investment portfolios for property/casualty and health insurers. Before joining Scudder, John was an analyst with Standard & Poor’s Insurance Ratings for six years with responsibility for a portfolio of U.S. and European property/casualty and life insurers.
John received his undergraduate degree from the University of Virginia and MBA degree from Duke University.
S&P Dow Jones Indices
Raghu Ramachandran
S&P Dow Jones Indices
Head of Insurance Asset Channel
Raghu Ramachandran is a consultant with S&P Dow Jones Indices in the Insurance Channel focusing on general accounts of Insurance Companies.
Raghu Ramachandran is a consultant with S&P Dow Jones Indices in the Insurance Channel focusing on general accounts of Insurance Companies. Prior to S&P, Mr. Ramachandran was CIO at Global Indemnity & Old Mutual (Bermuda). He was also an Insurance Portfolio Manager and Portfolio Strategist at Brown Brothers Harriman & Co. Mr. Ramachandran has a B.S. in Physics and a B.A. in Astronomy from the University of Texas - Austin.
S&P Global Market Intelligence
Tim Zawacki
S&P Global Market Intelligence
Head of Financial Institutions Research
Tim Zawacki is Head of Financial Institutions Research and Lead North American Insurance Analyst at S&P Global Market Intelligence, where he oversees a team of analysts producing data-driven research across the banking, fintech, and property and casualty, life, and health insurance sectors.
A widely recognized voice in the insurance industry, Tim brings nearly three decades of continuous coverage to bear on the structural forces reshaping insurance markets — from balance-sheet transformation and the accelerating influence of private capital, to the evolving intersection of sustainability and risk transfer, and the wave of consolidation redefining competitive dynamics across every segment of the industry.
A sought-after thought leader, Tim is a frequent speaker at major insurance industry events, where he is known for translating complex regulatory, financial, and strategic developments into clear, actionable perspective. His analysis and commentary are regularly cited in prominent business publications and news outlets, and he is regularly called upon by journalists, executives, and policymakers seeking authoritative views on the forces driving industry change.
Tim previously served as Principal Research Analyst and Insurance Sector Strategist at S&P Global Market Intelligence, roles in which he developed the firm's flagship insurance research franchise and established its reputation for rigorous, data-intensive analysis rooted in NAIC statutory filings. In these capacities he built out coverage across all major insurance lines, originating research on underwriting performance, investment portfolio construction, regulatory developments, and emerging structural trends that has informed the strategies of insurers, investors, and advisors across the market.
Prior to the 2015 acquisition of SNL Financial by S&P Global, Tim spent more than a decade at SNL building deep expertise at the intersection of insurance, financial services, and capital markets, helping to establish the firm’s statutory financial coverage and chronicling the rise, fall and rebirth of the securitization market through the global financial crisis.
He is a 1999 graduate of the University of Virginia.
Moderator
S&P Global Market Intelligence
Lynn Bachstetter
S&P Global Market Intelligence
Global Head of Cross Product Market Development
Lynn Bachstetter is Global Head of Cross Product Market Development at S&P Global Market Intelligence.
Lynn Bachstetter is Global Head of Cross Product Market Development at S&P Global Market Intelligence. In this role, Lynn helps oversee the operational and strategic management of the Insurance Group. The Insurance Group is responsible for delivering company-specific and sector information to 2,000+ clients, including investment banks, asset management firms, global and regional insurance companies, brokers, consultants and accounting firms. Prior to joining the firm in 2008, Lynn was a credit ratings analyst with Fitch Ratings covering insurance companies. Lynn holds a Bachelor of Science in Business Administration degree from Villanova University.
Event Support