2026 Insights
Reassurance1 Tammi

2026 Insights

In this episode of the Reassurance Podcast, Chelsey Rabalais of BCU Risk Advisors shares a clear-eyed look at how personal insurance is evolving as families head into 2026. Rather than offering predictions, the conversation focuses on real underwriting trends and what they mean for long-term protection.

Chelsey explains how insurance is shifting from broad categories to behavior-based evaluation, with carriers now assessing preparedness, mitigation, and documentation through tools like satellite imagery, climate data, and smart home technology. Climate risk and cyber exposure are no longer emerging concerns but core underwriting frameworks that directly impact eligibility, pricing, and renewability.

The episode also explores why volatility is not evenly distributed across the market. Families who approach insurance strategically, document mitigation, and engage proactively with their advisors tend to experience fewer disruptions. The key takeaway is simple. Change itself is not the risk. Being unprepared is.

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Jaksot(39)

Why Family Offices Need an Enterprise Risk Mindset

Why Family Offices Need an Enterprise Risk Mindset

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Accidents, Lawsuits & Liability — A Candid Conversation with David Baez

Accidents, Lawsuits & Liability — A Candid Conversation with David Baez

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Back to Basics: Umbrella Policy

Back to Basics: Umbrella Policy

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Clarity in Chaos: Elevating Security & Crisis Readiness for Multi-Generational Families

Clarity in Chaos: Elevating Security & Crisis Readiness for Multi-Generational Families

This podcast is a recording of a webinar we previously did! A joint perspective from BCU Risk Advisors, Chubb & Corporate Security Advisors (CSA) – for Single Family offices & Advisors to UHNW Individ...

25 Kesä 49min

Back to the Basics: Automobile Policy

Back to the Basics: Automobile Policy

In this episode of the Reassurance Podcast, Chelsey Rabalais continues the Back to the Basics series with a clear, modern breakdown of auto insurance and why it has become one of the most misunderstoo...

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Back to the Basics: Valuable Articles Policy

Back to the Basics: Valuable Articles Policy

In this episode of the Reassurance Podcast, Chelsey Rabalais continues the Back to the Basics series with a focused look at valuable articles coverage and why it plays a critical role in protecting wh...

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Back to the Basics: Renters Policy

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In this episode of the Reassurance Podcast, Chelsey Rabalais continues the Back to the Basics series with a clear, modern breakdown of auto insurance and why it has become one of the most misunderstoo...

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Why Insurance Costs What it Costs!

Why Insurance Costs What it Costs!

How Insurance Rates Are Really Set—and Why They’re ChangingIn this episode of Reassurance, Amanda Martinez breaks down one of the most misunderstood aspects of personal insurance: how carriers actuall...

15 Maalis 9min

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