International Cooperative and Mutual Insurance Federation
Thought leadership article From risk transfer to risk prevention: How AI supports long-term financial resilience in mutual insurance ICMIF Supporting Member Microsoft provides an insight into how mutual insurers can use AI to tackle risk and boost financial resilience. For generations, the value proposition in insurance has been defined by risk transfer: when losses occur, […]
Thought leadership article Cat bond market growth accelerates as loss multiples compress ICMIF Supporting Member AM Best provides an overview of some of the latest trends in the cat bond market. ILS market capacity reached USD 120 billion by year-end 2025 with cat bonds and sidecars driving ILS market growth. Meanwhile, ILS market returns are
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Thought leadership article Spillovers from the Iran War for global and Asian economies As the war in Iran continues to impact markets worldwide, ICMIF Supporting Member Peak Re analyses the conflict’s implications for re/insurance markets. Spillovers from the Iran War for global and Asian economies The Iran war has triggered an energy and shipping shock
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CEO interview: Lassaad Zarrouk (MAE Assurances) on bringing together mutuality, innovation and impact for the benefit of members As the head of MAE Assurances, Lassaad Zarrouk embodies the ambitious vision of a mutual insurance company that combines economic performance with ethical commitment. True to its founding values, MAE is pursuing a sustainable development trajectory, whilst
Thought leadership article Assessing ESG in non-life products: A practical framework for building resilience and impact Insurance companies are now at the heart of the sustainable transition: exposed to worsening climate and social risks, subject to increasing transparency requirements, they play their role in terms of social and environmental responsibility and communicate on a variety
Thought leadership article Global Economic Outlook 2026: New engines of growth in a fragmenting world What are the key economic trends insurers should be aware of? This article provides an overview of the global economic outlook for 2026, examining global GDP growth, trade fragmentation, industrial policy, and the rise of the “new economy” in Asia.
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Case study Driving innovation: key lessons from La Segunda’s approach to partnering with start-ups Since 2018, La Segunda Seguros has partnered with start-ups to address real business needs, successfully piloting and scaling new technologies while embedding innovation into its organisational culture. Initiatives included running an early insurtech hackathon before establishing a more structured open innovation
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Thought leadership article 2026 Global Insurance Outlook: converting uncertainty into opportunity Periods of uncertainty are ideal times for insurers to embrace bold strategies for growth and innovation. Why? Because individuals, families, businesses and communities around the world will be looking for powerful solutions that prevent and offer protection against proliferating risks. 2026 Global Insurance Outlook: converting uncertainty into opportunity A
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Case study The capital conundrum Cooperatives and mutual insurers face a longstanding challenge in accessing external capital. While stock companies can issue shares to raise funds, mutuals and cooperatives rely primarily on capital gained through retained earnings from premiums and returns on investments. This reliance limits their ability to expand and innovate, compete with stock insurers, and
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CEO interview: Tracy MacDonald (Trillium) shares her approach to enhancing member value Tracy MacDonald, CEO & President of Trillium Mutual Insurance Company, an agri-business mutual insurer based in Ontario (Canada), shares her thoughts on leadership styles, mutual values and risk management. She also explains how Trillium approaches community investment to maximise impact while protecting and
Tracy MacDonald (Trillium) shares her approach to enhancing member value Read More »