Share on Facebook Share on Twitter Share on Google+ Share on Linkedin A.M. Best analysts review several of the major business disruptors affecting the insurance industry, including political, political, regulatory or societal. While A.M. Best Chief Rating Officer Stefan Holzberger sees technology playing a large role in decisions regarding the types of products insureds are looking, he notes several other major disruptors challenging the insurance industry in years to come…challenges that present opportunities for the insurance market. He includes product demand, buying habits, distribution, broker M&A, and different forms of capital (hedge funds, ILS, transformer vehicles). Managing Senior Financial Analyst Greg Reisner agrees that M&As have been a dominant theme in 2015. Capital convergence and investment from Asia have also made headlines this year, and will continue to be a topic of concern. He also sees continued pressure on rates and challenges on growth strategies. Mr. Holzberger sees opportunities in bridging the gap between economic loss and insured loss, particularly in developing markets where public-private partnerships can provide protection where it is lacking today. Mr. Holzberger also discusses a new model to evaluate risk adjusted capitalization. The new BCAR model will include new tools that will enable a more granular look at data, and more informed discussions with companies. For more on the topics in this report, visit A.M. Best website or the WRIN.tv On Demand Library.