It's still too early to tell whether federal health insurance reforms are having any significant impact on workers' compensation costs. But it's fair to say that so far, some of the worst-case scenarios raised as the Affordable Care Act went into effect have not yet come to pass.

A confluence of demographic and economic trends make longevity risks perhaps the biggest growth opportunity for insurers, but writing such long-tail coverage profitably also might present the industry with its biggest challenge in the decades ahead.

The U.S. property and casualty industry may be nearing a crossroads in its approach to climate change, perhaps prompting a more proactive strategy to limit the threat to the environment and insurance company bottom lines over the long term.

Many insurers will likely look to improve internal systems and become more cost-efficient to increase profitability in the face of looming threats to their income streams.

Insurers should start tackling a quartet of long-term challenges likely to prompt transformations in how the property and casualty industry does business, both internally and externally.

Insurers should fasten their seat belts, because it could be a bumpy ride ahead when it comes to global economic trends and emerging exposures in 2015.

The Internet of Things has the potential to revolutionize the insurance industry, yet that doesnt mean implementing and monetizing this tremendous opportunity will be easy or without significant challenges for carriers.

Carriers never seem to be comfortable with the level of catastrophe claimseither there are way too many or far too few. This Goldilocks mentality makes me wonder what level of disaster losses would be just right for the industrys bottom line.