Total global real premium growth to rise only 2.2 per cent annually, on average, in the next two years.

High quality reverse stress testing requires company maturity.

Researchers say there is a limit to what privacy legislation can do to prevent harmful behaviour.

Having human expertise available in the near term is critical.

Makes recommendations for those prioritizing technology investment opportunities.

Insurance should be an early warning system, say analysts.

Credentialing bodies, insurers and agents given best practices and reporting protocols to follow.