ILS / cat bonds a fit under total portfolio approach

Insurance-linked securities can find a home under a total portfolio approach, a strategy large investors are increasingly turning towards ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

Web version |  Update preferences |  Forward ILS / cat bonds a fit under total portfolio approach Cat bonds offer path to better diversification under total portfolio approach: WTW Insurance-linked securities such as catastrophe bonds are appropriate under a total portfolio approach (TPA) investing framework, a strategic route many large institutional investors are now embracing. WTW has highlighted how cat bonds might even fit better under the TPA framework, than under a strategic asset allocation approach. Just this week we reported on the Healthcare of Ontario Pension Plan (HOOPP), which is a major institutional investor that recently embraced the total portfolio approach and allocates to ILS strategies. In addition, we also reported on CalPERS, which has grown its ILS investments rapidly in its first year of allocation to the asset class and from July 1st this year is set to adopt the total portfolio approach (TPA). Read the full story. Other articles: Property cat softening to continue. Specialty exposure to Middle East war possible: Hannover Re's Althoff.   Jamaica plans to renew CCRIF parametric coverage in 2026, but no mention of cat bond.   CalPERS ILS investments hit $1.451bn at YE 2025, with Tangency, Integral, Swiss Re allocations. Please share this with colleagues and friends if you think they would like to receive it. If you've been forwarded this but want to subscribe, visit Artemis.   You may be receiving this because you recently attended an industry event we partnered with, giving us permission to email you. If you don't want to receive our weekly ILS, catastrophe bond and reinsurance capital newsletter please Unsubscribe  or Edit your subscription here . © Steve Evans Ltd. - Artemis.bm

The Daily 3: Secret Medicare trap could cost you $400+ monthly when you sell your home; oil prices could boost 2027 COLA; and more

Catch up in minutes with your daily briefing on the Social Security, Medicare & Retirement news that affects you most.  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

March 12, 2026   |   Read Online Thursday briefing: Secret Medicare home sale trap; former employee warns of collapse; oil prices boost COLA; and more Catch up in minutes with your daily briefing on the Social Security, Medicare & Retirement news that affects you most. What to Know for Thursday, March 12, 2026: 1: Oil price surge could boost your 2027 Social Security COLA — but may not be enough (Image credit: Bloomberg) Current estimate: 1.7% COLA for 2027: Based on February inflation data, next year's cost-of-living adjustment is projected at just 1.7% — but that could rise significantly if oil prices stay elevated after the Iran conflict winds down, with the official announcement coming in October. Gas prices jumped $0.60/gallon since war started: Brent crude oil prices have risen about 30% since the Middle East conflict began, and the COLA calculation heavily weights gasoline prices — March inflation data will likely show a much bigger increase than February's 2.2%. COLA often falls short of actual costs: While a higher COLA helps offset increased energy costs (including home heating oil and natural gas), it typically doesn't keep up with retirees' expenses — medical care services rose 4.1% in February versus 2.4% overall inflation, and many seniors must cut travel and discretionary spending when essentials get more expensive. ➜ Read the full story from Barrons here. 2: Secret Medicare trap could cost you $400+ monthly when you sell your home in retirement (Image credit: Getty Images) The 2-year lookback rule catches seniors off guard: Medicare looks back 2 years at your tax return to calculate IRMAA premiums — if you sell your home at age 64 with $300,000 in taxable gains, your Medicare premiums could jump from $406/month to over $800/month starting in 2027 when you're already on Medicare. Home appreciation makes it worse: The $500,000 capital gains exclusion for married couples hasn't changed since 1997, but home values in major markets are up 300-500% — a couple who bought in coastal California in the early '90s can easily have $800,000 to $1.5 million in appreciation, triggering massive IRMAA surcharges. How to avoid the trap: Sell your home before age 63 to avoid the rule entirely, or consider aging in place if you're already over 63 — alternatively, accept it as a one-time cost since your premiums will normalize once that high-income year falls off the two-year lookback window. ➜ Read the full story from Fortune here.   Free Medicare Help with Chapter 90% of American seniors are on the wrong Medicare plan. Thankfully, Chapter is here to help! They can help you switch to the right plan and save $$$. Chapter saves the average senior $1,100 per year! Plus, it is 100% risk-free! Give them a call to find out how much you could save: 539-205-2147. askchapter.org/insider 3: Former Social Security employee warns staffing cuts could "collapse" the program (Image credit: Newsweek) 14-year veteran sounds alarm: Bob Caldwell, who worked at SSA for 14 years, warns that sustained staff reductions could threaten the entire program's integrity — "I noticed how easy it would be to collapse the entire program — understaffing, even before DOGE. They are cutting staff and making it harder to get services." Service delays hitting 71 million beneficiaries: After DOGE layoffs, beneficiaries report long phone hold times and extended waits for in-person appointments — nearly 40% of retirees depend on Social Security for their full retirement income and "operated under one set of rules their entire working lives," making it too late to make new choices. Local protests emerge in California: Residents gather every Thursday outside the Chico Social Security office holding signs to support workers and raise concerns about weakening services — organizers say the demonstrations began as appreciation for workers but have taken on greater urgency as staffing declines make it harder to resolve account issues or get timely help. ➜ Read the full story from Newsweek here. Here's What You Missed on YouTube: Check out our new YouTube videos for Thursday, March 12th. SNAP Benefits April 2026: New Work Rules — Here's Exactly Who Qualifies SNAP Benefits April 2026: New Work Rules — Here's Exactly Who Qualifies Social Security and Taxes: Do THIS Before April 15th or You'll Owe the IRS Social Security and Taxes: Do THIS Before April 15 or You'll Owe the IRS Visit our YouTube Channel The Daily 3 Deal List—Week of March 9th This newsletter is for information only. Always confirm your options directly with Social Security, Medicare, Medicaid, or a qualified advisor before making big decisions about your benefits. *View our Advertising Disclosure   Update your email preferences or unsubscribe here © 2026 Benefits Insider 228 Park Ave S, #29976, New York, New York 10003, United States Terms of Service

And neither do you.

͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­͏     ­

	Forwarded this email? Subscribe here for more I don't need to. And neither do you. Matthew Fried Mar 12   READ IN APP   I don’t post a lot of shirtless videos on social media, however after this one, I got a few comments about my physique. One guy pointed out that if I were to do a cut for 2 weeks, I’d look ridiculously shredded - like a competitive bodybuilder on stage. Here’s what I said to him: “You’re right. I could do that - but the thing is, I don’t need to.” I’m 46 and quite happy to walk around looking & feeling like I do … … while still being able to eat dark chocolate peanut butter cups and tortilla chips and large servings of rice … whenever I want. Men’s Group • LinkedIn • Instagram • X   Like Comment Restack   © 2026 Matthew Fried 548 Market Street PMB 72296, San Francisco, CA 94104 Unsubscribe