Insurance Webinar Series: 2022 Insurance Industry Trends - 1pm | 29 September 2021 - Deloitte
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Insurance Webinar Series: 2022 Insurance Industry Trends 1pm | 29 September 2021
Agenda • Market Stats & Trends Ger Power | Senior Manager | Deloitte Ireland • Sustainability Greg Lowe | Director of Sustainable Finance | Deloitte UK Marc Aboud | Director | Deloitte Ireland • Differential Pricing, Business Continuity, and Future Considerations Derville Rowland | Director General, Financial Conduct | Central Bank of Ireland • Q&A Moderated by Donal Lehane | Partner| Deloitte Ireland
Market Stats & Trends Ger Power| Senior Manager| Deloitte Ireland
Irish Non Life Insurance Market
Data Sources
• CBI Insurance Statistics
• Central Statistics Office (CSO)
• Department of Transport, Tourism and Sport
• Road Safety Authority
• Solvency and Financial Condition Reports
• Insurance Ireland Factfiles
• Personal Injuries Assessment Board
• An Garda Síochána
• Government of Ireland (Gov.ie)
• Transport Infrastructure Ireland
4
Irish Non Life Insurance Market
Milestones
Jun Oct Nov Jan Mar July Sep
2020 2020 2020 2021 2021 2021 2021
Judicial
Severe Covid- Council vote CBI Review of
NCID – Private in favour of Differential Pricing
11th and final progress 19 restrictions
Motor Insurance new Personal – Final Report
update – Cost of reimposed
Report 2 Injuries
Insurance Working January 2021
Group Guidelines
NCID – EL, PL and
Commercial
Property Report 1
5Irish Non-Life Market
Irish Non-Life Market
Gross Written Premium 2019 Market Share by GWP
4,000
+ 8% + 2%
+ 4%
100% AXA
3,500 + 14% AXA AXA
Allianz
3,000 + 8% AXA
- 6% + 3% 80% Allianz
Aviva Allianz
2,500
GWP (€m)
Allianz Aviva
2,000 60% Aviva
Other
Aviva Other
1,500 Other
1,000 40% RSA RSA RSA RSA
FBD FBD FBD
500 FBD
20% Zurich Zurich Zurich
0 AIG Zurich AIG
2012 2013 2014 2015 2016 2017 2018 2019 2020* AIG AIG
Liberty Liberty
Motor Property Liability PA/Travel Other Classes 0% Liberty
Source: Insurance Ireland Motor Property Liability Total
Source: Insurance Ireland
Historical Market Share Commentary
20.00%
18.00% • Market volumes have been increasing and grew again to over €3.7bn in
AXA 2019 (+4% compared to 2018, and +44% compared to 2013).
16.00% Allianz
• When figures are available, volumes are expected to remain broadly stable
14.00%
Aviva in 2020.
12.00%
Other • Motor continues to be the largest line of business while PA/Travel is the
10.00% smallest.
RSA
8.00%
FBD • AXA has consolidated its share of the overall non-life market at 18% of
6.00% GWP.
Zurich
4.00% • RSA, and to a lessor extent, FBD have reduced market share over the
AIG
2.00% period.
Liberty
0.00% • AIG, FBD, Zurich and Allianz have a higher share of the Liability market than
2012 2013 2014 2015 2016 2017 2018 2019 the Motor market.
7Irish Non-Life Market– Key Trends
140% Historical Net Combined Operating Ratios Commentary
116% 118%
120% 108% 111% • There has been an clear improvement in the Net COR since 2015 and the
107%107%
102% 102%
17% 95% 24% 96% 93% underwriting cycle is clearly visible.
100% 19% 23% 92%
19% 10% 24% 22% 18% • Over the last 11 years to 2019 only 4 years produced underwriting profit.
21% 11% 22%
11% 11% 19% 21%
80% 9% 12% 13% 8% • Based on 2020 SFCRs, 2020 is also expected to be profitable.
11% 6% 8% 7%
60% • 5 of 8 companies have been profitable in 2020 based on SFCRs
89%
• Group reinsurance structures skew some results
40% 78% 77% 83% 76%
74% 71% 72% 68%
63% 65% 64%
20%
0%
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
Claims Ratio Commission Ratio Management Expense Ratio
Source: 2013 Prior: CBI Insurance Statistics, 2014-2019 Insurance Ireland Fact file
Source: Insurance Ireland
* 2020 is a market estimate
Expense Ratio 2020 Net Combined Operating Ratios 2020 v 2019 Net Combined Operating Ratios vs GWP
Claims Ratio
2020 2019
140%
117%
103% 130% AIG RSA
100% 98% RSA
94% 92% 91% 120%
84% Liberty
32% 55%
36% 110% FBD Allianz
40%
Net COR
38% 39% 37% FBD Aviva
52% 33% 100%
AXA
Zurich
90%
Aviva Allianz
Zurich
64% 70% 62% 80% Liberty
46% 57% 51% 56% 53% 55% AXA
70%
6%
60% AIG
Market
50%
Average*
200,000 300,000 400,000 500,000 600,000 700,000
Source: 2020 SFCRs Combined Operating Ratio = Claims Ratio + Expense Ratio
8
GWPIrish Motor Market
Irish Motor Market – Key Trends
35% Market Share by Gross Written Premium Historical Net Combined Operating Ratios
140% 129%
121%
30% 120% 110%110%
100% 103% 107% 23% 104%
AXA 98% 20% 97%
8% 89%
100% 17% 19%
21% 7%
25% Aviva 20% 6% 23%
17% 88%
7% 21% 21%
5%
Allianz 80% 5% 8%
8% 19% 21%
7% 4%
6% 4%
20% Liberty 60%
94% 99%
87%
RSA 40% 75%
84%
72% 78% 82%
72%
69%
15% 64% 63%
FBD 20%
10% Zurich
0%
AIG
5% Other
Claims Ratio Commission Ratio Management Expense Ratio
0% Source: 2012-2019 Insurance Ireland Factfile, Government of Ireland
2013 2014 2015 2016 2017 2018 2019 * 2020 is an estimate
Source: Insurance Ireland
Net Combined Operating Ratios 2017 - 2020
200% Commentary
Expense Ratio 175%
180% Claims Ratio • AXA have increased market share from 19.8% to 28.6% since 2012.
160% • Allianz have also increased considerably from 6.8% to 11.9%.
137%
140% 125% 81% • RSA has decreased from 15.6% to 10.4% from 2013 to 2019.
120%
99% 99% 99% 100% 98% 89%
• Zurich and AIG have the smallest market shares with 7.2% and 5.6%
36% 94%
100% 85%85%
91%
86% 83%
91%
84% 9%
89% 89% respectively.
82% 80%
30% 74%
80% 35%
29% 28% 68% 33%
33%29% • Net COR remained stable on average in 2020 at 89%.
24% 31% 25% 37% 36%
22%
44% 33%
60% 29%
31% 108%
89% 90%94%
40% 69%
64% 65%61%60%
61% 58%62%55% 58%63% 52% 52% 53%
49%
20% 41% 45%
37%
0%
Average
Source: SFCRs
10Irish Motor Market – Key Trends
New Car Registrations and GWP 1,800 Average Premium by Cover Type
New Cars Imports GWP Private vehicles GWP Commercial vehicles
250,000 1600 1,600
1400 1,400
200,000
1200 1,200
881 883
No. Vehicles
852
1000 1,000
GWP (€)
150,000 781
800 800 570 581 546 624
498 488 526
100,000 600 600
499 676
400 400
50,000 652 673 644
566
481 491 479 449 471
200 200 424 431
- 0 0
2012 2013 2014 2015 2016 2017 2018 2019 2020 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Source: 2012-2019 Insurance Ireland Factfile, Government of Ireland
Source: NCID Comprehensive Third Party ALL
*2021 values are YTD
Average Claim Cost per Policy vs GEP Per Policy Road Fatalities
€800 500 19500
676 450 19000
€700
400
€600 18500
350
Kms travelled
€500 300 18000
13%
€400 10% 10% 10% 10% 10% 11%
250 17500
Fatalities
12% 10% 11% 10%
€300 21%
13% 14%
14% 14% 12% 11% 12% 12% 200 17000
20% 16%
150
€200 16500
59% 67% 71% 71% 72% 72% 75% 76% 74% 74% 100
€100 61%
16000
50
€0 0 15500
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
*2021
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
Third Party Injury Accidental Damage Fire and Theft
11
Third Party Damage Windscreen Average GEP Road fatalities Average km travelled per vehicle
Source: NCIDIrish Motor Market – Claim Trends
Claim Frequency by Claim Type Claim Severity by Claim Type
20% €50,000 6,000
18% €45,000 5,500
16% €40,000
14% 5,000
€35,000 4,487
12% 4,500
€30,000
10%
€25,000 4,000
8%
€20,000 3,500
6%
4% €15,000
2,726 3,000
2% €10,000
€5,000 2,500
0%
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 €0 2,000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Third Party Injury Accidental Damage Fire and Theft
Third Party Damage Windscreen Overall Third Party Injury Damage Overall Average
Average cost per injury claim based on settlement channel Injuries Board - Average Motor Award
90,000
Compensation Legal Other €24,000
80,000 2% 0% €23,327
2% €23,500 €23,234
70,000 3% 3%
32% €23,000 €22,454 €22,682
60,000 33%
34%
33% 33% €22,500 €21,707 €21,844
€22,186
50,000
€22,000 €21,730 €21,470
40,000
€21,500 €20,898 €21,215
30,000 4% 4% 4% 3% 3%
€20,631
2% 3% 66% 4% 65% 4% 66% €21,000
2% €20,438
20,000 3%
64% 3% 64% 4% 4% 4%
8% 9% 10% 11% €20,500
8% 94% 93% 93% 93%
10,000 94%
89% 89% 87% 87% 85% €20,000
0
€19,500
Litigated
Litigated
Litigated
Litigated
Litigated
Direct
Direct
Direct
Direct
PIAB
Direct
PIAB
PIAB
PIAB
PIAB
€19,000
€18,500
12
Source: NCID 2015 2016 2017 2018 2019 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019Effect of Covid 19 on Irish Motor Market
Private Car Usage - Red Cow Junction M50 LGV / HGV Usage - Red Cow Junction M50
150k 40k
30k
100k
20k
50k
Phase 3 10k Phase 3
Phase 2 Phase 2
Schools Close Schools Close
Phase 1 Phase 1
Full Lockdown Full Lockdown
0k 0k
Jan Feb Mar Apr May June July August Jan Feb Mar Apr May June July August
2019 2020 2021 2019 2020 2021
250,000
Annual private vehicle sales Commentary
Private Car Usage
200,000 • There was a 78% drop-off in private car usage at the trough in 2020 (one week
into full lockdown)
• Recovery has coincided with the phased reopening of the economy in late 2020,
150,000
however dipped at the turn of 2021 with the reimposition of restrictions.
• At end-August 2021, private car usage at the M50 in Dublin is still 2% lower
100,000
than the equivalent time period in 2019.
Commercial LGV/HGV Usage
• The drop-off bottomed out at 59% lower than the equivalent period in 2019.
50,000
• Recovery in commercial LGV/HGV usage was much faster, reaching comparable
levels to previous years in mid June.
0
• As at July, activity is 6% lower than the equivalent period in 2019.
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Jan-Jun Jul-Dec Note: these are Dublin-only statistics, and mobility data published by Google and 13
Source: CSO *Data for 2021 is inclusive up to July Apple indicate that usage in rural counties rebounded at a faster rate.Irish Property and Liability Market
Irish Property Market – Key Trends
Market Share by Gross Written Premium Historical Net Combined Operating Ratios
20% Claims Ratio Commission Ratio Management Expense Ratio
18%
137%
Allianz 131%
16%
Aviva
18% 116%
14% 19% 109%
17%
Zurich 16%
19% 95% 91% 97% 94%
12% 89% 85% 86%
30% 84%
RSA 17%
20% 23%
10% 26% 27%
FBD 17% 23% 26% 20% 21%
18%
8% Other 18%
20%
14% 11% 13% 12%
102% 15%
95%
6% AXA 80%
57% 62%
53%
4% AIG 47% 53%
47% 52% 52% 53%
2% Liberty
0% 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 *2020
Source: 2012-2019 Insurance Ireland Factfile, Government of Ireland
2013 2014 2015 2016 2017 2018 2019
Source: Insurance Ireland * 2020 are market estimates
Net Combined Operating Ratios 2017 - 2020 Commentary
250%
Expense Ratio
Claims Ratio 199%
• The market has been relatively stable in terms of market share.
200% • Allianz has the largest market share, closely rivalled by Aviva.
36%
• RSA has noticeably decreased its market share from 20.8% (largest
150% 122%
market player in 2012) to 13% in 2019.
125%
• Liberty and FBD have also decreased their market share since 2014.
99% 102%
97% 96% 98% 98%
36%90%
100% 85%85% 82%
91%
83% 82%
89% 35%
• Liberty and IG have the smallest market shares at around 3.5% each.
77% 78%
28% 30% 69%65%163% 33%
24% 34%
33%
25% 42%
41% 51% • Even considering major events in recent years (Emma, Ophelia) the
39% 35% 36% 44%
36%
30%
34%
Market has been profitable 8 times in last 10 years. 2020 may be loss
50% 30%
70% 69%
89%
65%
87% making as a result of Covid-19 exposures on commercial property
61% 57%63% 58%
46%41% 47% 39%35%
48%46%
57% 51% 44%44% policies.
0% 0%
Average
Source: SFCRs 15Irish Liability Market – Key Trends
Market Share by Gross Written Premium Historical Net Combined Operating Ratios
35%
Claims Ratio Commission Ratio Management Expense Ratio
149%
30% 143%
Other 127%
26% 124%
26%
25% Allianz 112% 115% 114%
11% 105% 16%
104% 23%
AIG 15%
9% 17%
90% 20% 21%
20% 17% 88%
Aviva 13% 20% 9%
8% 7%
FBD 71% 10% 21% 11%
22%
15%
Zurich 16% 11%
11%
112%
102% 102%
10% RSA 11%
87% 89%
85% 86%
77% 75%
AXA 58% 54%
43%
5% Liberty
0% 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 *2020
Source: 2012-2019 Insurance Ireland Factfile, Government of Ireland
2013 2014 2015 2016 2017 2018 2019
Source: Insurance Ireland * 2020 GWP are market estimates
Net Combined Operating Ratios 2017 - 2020
200% Commentary
Expense Ratio 176%
180% Claims Ratio • Market is dominated by IPB rather than one of the 8 main players.
160% 39%
• Allianz has the largest market share of named companies at 15.6%.
140% 129%
123% 125%
115% 117%
124%
• AXA, RSA, Zurich, FBD, AIG and Liberty have all experienced a decrease
120% 104%
109% 106%
110%
in market share since 2016.
99% 91%
95% 31% 36% 40% 92%
100% 85% 86% 83%29%81% 85% 37% • FBD has been consistently decreasing market share since 2012
35% 72%
57% 40%
30%
80% 46%
40% 66% • In the last ten years, the market has only been profitable twice, last in
24% 25% 37%
38%
137%
60%
43% 30% 2011, however the SFCR data for named participants indicates that
92%
31%
89%79%
performance may have improved during 2020.
40% 69% 74% 77% 80% 85%
69%
61%58% 56% 58%
50%
58%57% 55%
53% • Liberty/RSA results are skewed by the impact of reinsurance.
20% 43%
35%
0% 5% 0%
Average
Source: SFCRs 16
Source: SFCRs – Liberty excluded from averageSustainability Greg Lowe | Director of Sustainable Finance | Deloitte UK Marc Aboud| Director | Deloitte Ireland
The evolving insurance climate landscape
Through the pursuit of net zero strategies, a more connected climate landscape is evolving – one which is
demanding nature-based solutions and second-order social impacts be integrated into firms’ climate strategies
Regulatory advances and feedback loops on climate change Collaboration, levelling-up and expanding outlooks on climate
The advance of regulatory developments, to both help insurers think about, and The next year will be crucial in understanding the full range of climate risks insurers
understand new risks, continues to develop and will continue to be a priority for face and to focus on where the gaps might be. Insurers should be thinking about the
regulators and the insurance industry. These are early days for this type of regulation role they play in the wider financial system as well, given that banks are subject to
and reporting, so new learnings will continue to inform both how regulators respond stress testing also, and starting to consider the role risk transfer capital plays. Industry
and how these regulations impact potential strategy. The response of the Bank of collaboration will be crucial to navigate the years ahead – the industry needs to think
England’s PRA to the CBES in the UK should be carefully watched as it will show outwards, through collaborative iniatives such as ClimateWise.
where the regulator sees potential strengths and weaknesses.
Net zero strategies begin to permeate the entirety of insurers Emerging systematic environmental risks and climate overlaps
Behind all of this, we now have over two thirds of the global economy committed to As insurers continue their TCFD exercises, focus should be on the strategic insights
some kind of net-zero goal – insurers that haven’t considered transition risk when the process gives you, rather than the reporting itself, which will become a
planning investment in future lines of business need to do so now, or likely fail. requirement across much of the world in coming years. Insurers should seize the
A growing number of insurers are starting to align to their own net-zero targets, often opportunities the energy transition and resilience brings to business. Further, there
from an operations or investment angle, but the Net Zero Insurance Alliance are other systemic environmental risks lapping at our shores – biodiversity and
demonstrates this is beginning to permeate the entirety of an insurer. natural capital have significant overlap with climate risk and are getting the same kind
of attention climate change was getting several years ago.
© 2021 Deloitte Ireland LLP. All rights reserved. 18The evolving insurance climate landscape
Through the pursuit of net zero strategies, a more connected climate landscape is evolving – one which is
demanding nature-based solutions and second-order social impacts be integrated into firms’ climate strategies
Nature-based focus – role in net zero and adaptation Just transition strategies - connection of ESG ‘S’ with net zero
Following the Das Gupta Review, firms are increasingly seeking to value and assess The pursuit of net zero generates new social equity challenges as it potentially
impacts and dependencies on nature. Emerging standards exist to support with this expands the existing and creates new protection gaps. This leads to new protection
valuation (e.g. Partnership for Biodiversity Accounting Financials (PBAF) - this opportunities, for example around income protection, in relation to job losses as
requires updates to measurement, risk assessment and forecasting processes, in line industries transition. Emergent financing alliances are committing through net zero
with emerging reporting developments from the Taskforce for Nature-related strategies to the pursuit of a ‘just’ transition. Place-based financing considerations are
Financial Disclosures. emergent as a framework for examining impact.
A just transition seeks to ensure that the substantial benefits of a green
economy transition are shared widely, while also supporting those who stand to lose
economically – be they countries, regions, industries, communities, workers or
consumers.
Increased quantitative focus Building back better post-COVID
As the need for quantitative reporting evolves, insurers are seeking to understand The Covid-19 pandemic has shone a light on the role of the industry and
how and when standardised metrics will be introduced across the industry and what opportunities for building back better. Either through due diligence through
that will mean for reporting. Interest is growing on how might the ClimateWise underwriting and investment decision-making, or through the opportunities to
Principles, Guidance and member reporting process similarly develop, and if there a leverage sustainable claims and build adaptative and mitigative capacity.
role for expected KPIs or data sheets.
© 2021 Deloitte Ireland LLP. All rights reserved. 19Establishing an ESG Journey
ESG best practice is a series of steps
ESG integration
Innovation can be
Strategy catalysed by adjusting or
expanding the product
offering.
Define and bring the
sustainability strategy Counterparty
Frameworks to life. engagement can help
reframe business models.
Integrate ESG issues
Identify which and consider steering Embedding ESG into
Governance frameworks are best portfolios. operations can enable a
suited for the business. more resilient business
Climate scenario
Develop new risk structures This can help determine analysis can actively Capital can be
– or build on existing ones – KPIs, metrics and support risk mitigation reallocated to drive
to equip the organization objectives. planning. greater impact.
with ESG oversight.
© 2021 Deloitte Ireland LLP. All rights reserved. 20ESG regulatory requirements
Set out below is a summary of the key EU and UK sustainable reporting requirements. There may be additional
local reporting requirements and a number of voluntary reporting frameworks that firms can sign up to
What is it? Status
• A common classification of economic • Jan 2022 - the Delegated Act on the first two objectives
activities significantly contributing to six are expected to apply (remaining 4 expected Jan 2023)
EU Sustainable Finance
environmental objectives, using science-
Taxonomy Regulation based criteria • Jan 2022 - EU to publish a report on the taxonomy and
social/non-green issues
• SFDR imposes mandatory ESG disclosure • Jan 2022 - Periodic reporting and taxonomy alignment
Sustainable Finance obligations for asset managers and other disclosures (for environmental objectives) to begin for Art 8 &
financial markets participants 9 Products that promote a sustainable investment objective.
Disclosure Regulation (SFDR)
EU
• July 2022 (originally Jan 2022) – SFDR “RTS” on more detailed
• March 2021 - Level 1 principle based Level 2 requirements for pre contractual and periodic
disclosures required reporting including Principal Adverse Impact (PAI) Reporting
• Reporting by large and listed companies on
Non-financial Reporting • Mid 2022 - CSRD reporting standards become available
their sustainability risks and impacts
Directive (NFRD)/ • Jan 2023 - Firms apply CSRD standards for the first time
{NEW} Corporate Sustainability • All listed companies or large companies
to reports published in 2024. Reporting through annual
Reporting Directive (CSRD) that exceed 2/3 of the following: 1) BS
report, digitisation, mandatory limited assurance
€20M, 2) Rev €40M 3) 250 staff
• Banks, buildings societies, insurance • Jan 2022 - The PRA will review the quality of banks and
UK
PRA disclosure requirements companies and FCA premium listed insurers' 2021 TCFD disclosures. The PRA will review
aligned towards Task Force for Climate disclosures after this deadline and determine whether
© 2021 Deloitte Ireland LLP. All rights reserved. Related Disclosures (TCFD) additional measures are required. 21Overview of key supervisory expectations for insurers
As we approach COP26, we expect heightened focus by all stakeholders on the credibility of firms’ net zero
plans. Climate risk, ESG disclosures, “greenwashing”, and ESG data will also remain key priorities for firms
Strategy and business Risk identification
model and risk appetite
Capital modelling
and stress testing Asset transition risk
Governance and
culture Conduct risk
© 2021 Deloitte Ireland LLP. All rights reserved. 22Differential Pricing, Business Continuity, and Future Considerations Derville Rowland | Director General, Financial Conduct | Central Bank of Ireland
24
Our mandate is to Have sufficient financial
resources including under
deliver effective and Have established robust
plausible but severe stresses,
governance and risk
are resilient, and can be
purposeful supervision resolved effectively in the
management frameworks
that safeguards the event of financial distress
interests of
policyholders and
That are proactively
supports a robust developing their business
Behave well and have
insurance sector with consumer centric cultures
models in order to operate
effectively in the future
firms that: insurance landscape
Central Bank of Ireland - RESTRICTED25
Differential Pricing -
Our proposals
Ban the practice of price walking in private motor and home
insurance
Require providers to review their pricing policies and processes
annually - to ensure that insurance providers maintain focus on
their pricing practices and the impact of such practices on their
customers
Introduce new consumer consent and disclosure requirements to
ensure the automatic renewal process is more transparent for all
personal non-life insurance products.
Public consultation on
our proposals open until
22 October
Central Bank of Ireland - RESTRICTED26
Business Interruption Insurance
System
wide Supervisory Claims
examination Engagement oversight
Development of BI •Identified 31,000 •Over €130 million
policies responsive to paid on 4,371 policies
Insurance
BI to date
Supervisory
•Firms expected to •Continued monitoring
Framework firms identify and to ensure insurers
Analysis of 200 contact all potentially continue to meet their
different policy types affected obligations on all
across 27 insurers policyholders claims
Central Bank of Ireland - RESTRICTED27
Looking ahead
Digitisation
Climate Change
European developments
Individual Accountability Framework
Central Bank of Ireland - RESTRICTEDQ&A Moderated by Donal Lehane| Partner | Deloitte Ireland Please put your questions in the Question Box on the panel
Insurance Webinar Series: 2022 Insurance Industry Trends Thank you for attending
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