On Aon

In this Risk Capital Insight episode of On Aon, Ciaran Healy, global captives leader for Aon, is joined by Joe Peiser, Aon’s CEO of Risk Capital, to explore how rapidly shifting risk profiles and capital dynamics are reshaping the way organizations protect their balance sheets. Ciaran and Joe examine the forces driving unprecedented volatility — including weather, cyber, litigation and geopolitical risk — and discuss why traditional approaches to risk financing are no longer sufficient. The conversation highlights how insurance, alternative capital and captives are becoming more strategic levers, enabling leaders to strengthen resilience, align risk appetite with analytics, and deploy capital with greater confidence and flexibility in a changing global landscape. Key Takeaways:   Insurance capacity is becoming more segmented, with alternative forms of capital such as insurance-linked securities, parametrics and structured insurance playing a growing role. Organizations are increasingly using captives as strategic platforms to access multiple sources of capital, aggregate risk across the enterprise and make more analytics-driven decisions.   Effective risk financing now depends on blending insurance, reinsurance and alternative capital in a more deliberate way to better match risk to the balance sheet.   Experts in This Episode: • Joe Peiser, CEO of Risk Capital, Aon • Ciaran Healy, Global Captives Leader, Aon   Key Moments: (4:20) Insurance capacity is fragmented as loss severity rises, with risk transfer increasingly coming from a broader mix of capital sources such as ILS, parametric solutions and structured insurance. (8:00) A shift from transactional insurance buying to a more strategic risk financing mindset, with analytics positioned as the foundation for better capital allocation decisions. (14:45) Captives are increasingly being used as tools to deploy capital more strategically, offering flexibility, control and new ways to manage risks that traditional markets may not yet cover. Soundbites: Joe Peiser: “So a reason we created Risk Capital is because we want to make sure we can access that capital in whatever form it comes and in whatever market it comes in, because that's how we're going to generate solutions for our clients.”   Ciaran Healy: “The captive is moving from a controller of insurance into a controller of capital. And that's a really interesting place to be. And I think it opens up a huge opportunity for risk professionals and all captive owners.”

In this Global Insight episode of On Aon, Tim Fletcher, national practice leader for the Financial Services Group for Aon, sits down with John King, senior vice president, global treasurer and head of portfolio strategy for Aon, to unpack the rapidly evolving world of stablecoins.   Tim and John examine stablecoins as a practical payments and operating model issue and dive into how they work, what differentiates them from other digital assets and why they’re increasingly on the agenda for treasurers, risk leaders and boards navigating global liquidity, regulation and cross-border payments.   Key Takeaways: There has been a convergence of factors driving stablecoin adoption: pressure on traditional payment options, demand for faster and cheaper cross-border transactions and the maturation of the digital asset ecosystem. Regulatory frameworks for stablecoin are becoming more defined: governments are starting to set expectations around reserves, governance and oversight. Even for those organizations that don’t see themselves as “crypto players,” stablecoin still matters: it touches core concerns such as payment efficiency, liquidity management and operational resilience.   Experts in this episode: Tim Fletcher, national practice leader, Financial Services Group, Aon John King, senior vice president, global treasurer and head of portfolio strategy, Aon   Key moments:   (1:50) Tim and John explain what stablecoin is and isn’t — it’s a digital token designed to maintain a stable value, functioning more like a payment or settlement instrument than an investment asset.   (3:30) Organizations are now viewing stablecoin as a payments and settlement infrastructure, especially for cross‑border transactions, treasury operations and liquidity management.   (8:15) Stablecoin is not a universal solution and leaders need to weigh complexity against any proven upside.   Additional Resources: A Simple Guide to Stablecoins and Tokenized Assets — Webinar (March 11 and 19) Register Here   Soundbites: [two key quotes from the episode] Timothy Fletcher: “Even if an organization never touches stablecoin directly, understanding the implications is becoming part of staying informed about how money moves.”   John King: “The question isn’t just “does this work right now?” but “how might this change, and are we prepared when it does?”

In the first Industry Insight episode of On Aon, Charles Philpott and Paul Pryor explore why mining and natural resources are becoming more critical than ever before. From electrification and the energy transition to data center expansion and national security, demand for minerals is accelerating at an unprecedented pace. Against this backdrop, Charles and Paul discuss how mining companies are navigating deeper and more complex extraction, evolving geopolitical and supply chain dynamics and rising expectations around ESG and safety — while also unlocking new sources of capital and competitive advantage. The conversation also examines one of the sector’s most pressing opportunities: building the workforce of the future. As automation, AI and autonomous operations reshape mining, organizations that invest in skills, technology and compelling employee value propositions will be best positioned to attract and retain the next generation of talent. Key Takeaways:   Natural resources underpin the modern economy, from electrification and decarbonization to data center growth — placing mining at the heart of global growth and resilience. End‑to‑end visibility across the mining value chain — from extraction and processing to transport and infrastructure — is increasingly essential as demand for metals such as copper, gold and critical minerals accelerates. Talent and technology are becoming sources of competitive advantage. Mining companies that embrace automation, AI and differentiated employee value propositions will be better positioned to secure future skills and sustain long‑term performance. Experts in this episode:   Charles Philpott — Global Natural Resources Leader, Enterprise Client Group, Aon Paul Pryor — Global Mining Practice Leader, Aon Key moments:   (4:10) As the natural resources industry transforms and makes more use of autonomous vehicles and autonomous operations, so too are they exposed to greater technology and cyber risks. (5:35) Extraction is getting more difficult, the new deposits are deeper and complex geologies and at the same time the demand for minerals will increase about six times through 2040. (9:30) Data centers depend on mining  — from construction materials to battery metals and cooling systems — underscoring how critical minerals underpin every layer of modern data and cloud capacity.   Soundbites:     Paul Pryor: “The biggest issue facing natural resources companies today is trying to satisfy the world's incessant demand to improve the quality of life.”   Charles Philpott: “Few industries are under as much pressure and opportunity as mining right now.”

In the first Human Capital Insight episode of On Aon, Jason Trull and Aon talent and rewards leaders unpack how organizations can turn rapid workforce change into a performance advantage across technology, life sciences and financial services. Drawing on Aon data and current market signals, the group explores what’s shifting fastest: accelerating AI adoption and governance needs, skills evolving beyond traditional role-based models and rising expectations for personalization, flexibility and career pathways.Key Takeaways:   AI is reshaping skills demand and pushing new governance and reskilling priorities across industries.Skills are evolving faster than traditional talent models. Routine and transactional tasks are declining as higher-value analytical and digital skills rise.Employee expectations continue to evolve, increasing the importance of personalization, flexibility and clear career pathways.Experts in this episode:   Jason Trull — Global Head of Talent Data Solutions, AonChris Tanana — US HCS Rewards Solutions Partner, North America, AonTanaz Moazami — US HCS Rewards Solutions Partner, North America, AonEphraim Edelman — Head of Talent Data Solutions, North America, AonRahul Chawla — Advisory Best Practices, APAC, AonKey moments:   (1:05) The global labor market is in a state of flux. Employee turnover, shifts in hiring trends, the spread of AI and healthcare costs are all piling the pressure on people leaders, and each industry is moving through really its own version of disruption.(5:00) We believe that about 96% of life sciences firms plan to invest in reskilling to stay competitive.(6:00) The tech sector, maybe more than any other, is facing a fundamental shift of the skills that companies need as AI adoption accelerates.(14:15) Today's employee value proposition requires companies to refocus and consider various elements, including skills, pathways and growth. Soundbites:     Jason Trull:“Demand for professionals with AI skills is only going to increase, making it all the more necessary for leaders to seek out reskilling opportunities for their teams.” Chris Tanana:“It's a difficult balance staying cost efficient without undermining the ability to attract and retain critical talent.”Tanaz Moazami:“Firms are navigating multi-generational needs, evolving expectations on well-being and ongoing reinvestment in employee value proposition to keep pace.”Ephraim Edelman:“Companies are rebuilding a very different kind of talent model. We're seeing a shift towards a more skilled, more specialized and more globally distributed workforce.”Rahul Chawla:“Our clients are focused on delivering personalized benefits and communicating that value through non-traditional methods.”

On Aon — Episode 100Title: Building Climate Resilience: Insights from Aon’s 2025 Climate and Catastrophe ReportIn the first Risk Capital Insight episode of On Aon, host Alexandra Lewis is joined by Aon leaders Tracy Hatlestad and Michal Lorinc to discuss the findings of Aon’s 2025 Climate and Catastrophe Insight report. They explore another year of more than $100 billion in insured catastrophe losses, driven largely by secondary perils, and what a changing climate means for people, infrastructure and the global economy.Key Takeaways:Climate risk is increasingly blurring lines between property and people risk, demanding more integrated decisions.Secondary perils, including severe convective storms and wildfire, are now major drivers of global insured catastrophe losses.Alternative risk transfer and parametric solutions complement traditional reinsurance to manage climate‑driven volatility.Experts in this episode: Tracy Hatlestad — Executive Managing Director and Global Head of Property, Reinsurance, AonMichal Lörinc — Head of Catastrophe Insight and Impact Forecasting, AonKey moments: (1:35) In 2025, secondary perils were the primary driver of insured catastrophe activity, totaling around $100 billion.(5:40) The insurance protection gap was the lowest on record in 2025, but half of the losses still went uninsured globally.(6:05) Heat waves are one of the primary impacts on human health and we saw the impacts of heat waves around the world in 2025 with 42,000 fatalities from heat-related issues alone.Soundbites:   Michal Lorinc:“One ‘under-average’ year is no reason for complacency. Organizations need to keep strengthening their resilience for the future.”Tracy Hatlestad:“We also saw the lowest protection gap on record for the year 2025, and that’s predominantly as a result of the fact that 81% of losses are coming from the United States.” Find out more:2026 Climate and Catastrophe Insight 

In this first Global Insight episode of On Aon, Bridget Gainer, chief public affairs officer at Aon, is joined by Dan Foy from Gallup to explore how leaders can use resilience as a platform for smarter growth. Drawing on insights from Davos and the development of Aon’s new Resilience Quotient (ARQ), they unpack how combining economic data with sentiment creates clearer signals amidst rising volatility. Together, they explain why organizations that understand both their exposure and their capacity to adapt are better positioned to make confident decisions, invest wisely and unlock long‑term performance.Key Takeaways:The ability to adapt, respond and make confident decisions is emerging as a competitive differentiator, one that shapes investment choices, talent strategy and long‑term performance.Aon’s Resilience Quotient pairs objective risk indicators with Gallup’s global sentiment data to illuminate how societies, institutions and workforces experience disruption. This combination reveals underlying strengths that can accelerate growth.Institutional strength, employee engagement and societal confidence shape how effectively organizations can adopt new technologies, navigate policy shifts and seize emerging opportunities. Experts in this episode:• Bridget Gainer — Chief Public Affairs Officer, Aon • Dan Foy — U.S. Business Leader for Global Research, Gallup Key moments:(3:50) Complexity and volatility are not temporary conditions.(8:05) What we've done with Aon’s Resilience Quotient is one attempt to really try and bring that data together in a way that helps decision makers evaluate what are the true underlying factors.(17:20) Turning trust into something that can be quantified changes how leaders make critical operational decisions.Additional Resources:Aon at Davos: A Spirit of Dialogue and Renewed CooperationAon’s Resilience Quotient Soundbites:   Bridget Gainer:“Resilience can’t just be defensive anymore. It has to enhance decision quality, adaptability and long-term performance.”Dan Foy:“Engagement isn’t soft — it’s measurable, it’s movable and it changes how organizations adapt to disruption.”  

On Aon — Episode 98How Leaders Stay Ahead: Balancing Risk and Strategic ChoicesIn this episode of On Aon, Aaron Olson, executive vice president for  Aon's Enterprise Client Group and co-author of the book Strategy and Change: Finding Opportunity in Disruption Through Insight, Choice and Risk, is joined by co-authors Richard Waterer, Aon's global risk consulting leader, and Ward Ching, Aon’s managing director of global risk finance. Together, they explore what it takes for leaders to stay ahead in a world of volatility — sharing approaches to balance risk, embrace change and uncover new paths for growth and innovation.Key takeaways: Aaron, Richard and Ward explore three key themes:Insight – To succeed, organizations must strengthen pattern recognition and systems thinking to surface blind spots and assumptions before they turn into costly errors.Choice – Business leaders need to focus on improving strategic choices and understand the impact of each decision to ensure every choice supports their goals.Risk – Rather than avoiding risk, organizations can harness it as a catalyst for growth — aligning risk appetite, feedback from incidents and execution so organizations can move boldly and adapt quickly.Experts in this episode:Aaron Olson —  Executive Vice President, Enterprise Client Group, AonRichard Waterer — Global Risk Consulting Leader, Commercial Risk, AonWard Ching — Managing Director, Global Risk Finance, AonKey moments:(3:34) Aaron explains the concepts of insight, choice and risk — critical capabilities for navigating disruptive change that leaders and organizations will need to build.(5:53) Ward highlights how we have moved from the information age to the digital age, where information is being curated in fundamentally new ways, which reshapes the way leaders need to think about strategic choice and disruption.   (10:20) Richard explains how risk has often been misunderstood as something to avoid when it can be seen as a driver of insight and opportunity.Additional Resources:Strategy and Change: Finding Opportunity in Disruption Through Insight, Choice and RiskFindings from Aon’s Global Risk Management Survey SoundbitesRichard Waterer:“So the idea is simple by clearly defining how much risk an organization is willing to take. You don't just draw a line between danger and safety, you actually create a runway for innovation and growth.”Aaron Olson:“We have found...during times of disruptive change, insight becomes particularly important, both the use of analytics to understand and evaluate situations and the importance of addressing and considering blind spots.”

On Aon — Episode 97 Risk and Resilience in the Age of Autonomous VehiclesAutonomous vehicles and self-driving technology are no longer futuristic — they’re transforming how we move today. As adoption accelerates worldwide, insurers face a new set of risks and opportunities. Jillian Slyfield, Aon’s global chief innovation officer and global technology and digital economy leader, joins David Carlson, global industrials and manufacturing leader, to discuss key industry partnerships and the regulatory challenges shaping ride technology. Key Takeaways:Autonomous vehicles are moving from testing phases to everyday use, creating new considerations for transportation and risk management.Insurers now face the challenge of balancing multiple forms of liability — including product, auto and cyber — as technology reshapes mobility.Data is important as both a risk and an asset. Who collects it, who owns it and how it can be used will all be key, as will balancing the privacy issues around it. Experts in this episode:Jillian Slyfield — Global Chief Innovation Officer and Global Technology and Digital Economy Leader, AonDavid Carlson — Global Industrials and Manufacturing Leader, Aon Key moments: 0:45 The autonomous vehicles (AV) sector is expanding quickly — the industry is projected to grow from just over $100 billion in 2021 to more than $2 trillion by 2030, impacting how we think about mobility, risk and insurance. 10:40 The collection of data from autonomous vehicles will lead the way to better underwriting and faster claims adjudication in insurance. However, a big unresolved issue is who owns and can access this data. 15:00 Collaboration among insurers, brokers, fleet operators, OEMs and AV tech creators is at an all-time high and is critical to managing emerging risks. Additional Resources:Article: Navigating Risk in Transportation and Logistics: Gearing Up for Big Transitions | AonReport: Findings from Aon's Global Risk Management Survey | Tenth Edition Soundbites:  Jillian Slyfield:“But coverage is changing. I wouldn't say that we need new forms of coverage, but we do need to think differently about the coverage that's in place and how to put it together in the best possible way. Sometimes we say it's like a jigsaw puzzle. Let's make sure the pieces are in the right places.” David Carlson:“The reality is people are still car enthusiasts. People love to drive cars still. That's just a reality. And so, I think in time, these things will evolve and we'll see more adoption.”

On Aon — Episode 96Opportunities in a Changing Market — What Risk Buyers Need to Know November 20, 2025420 words … about a minute readWhat’s new: In the latest episode of On Aon, Global Chief Broking Officer Cynthia Beveridge and Global Chief Claims Officer Mona Barnes discuss emerging trends in the commercial risk market as it heads towards the January renewals period. They discuss how the market is becoming increasingly fragmented and explain the factors driving recent developments in claims, including heightened natural catastrophe exposures, macroeconomic and geopolitical pressures, rising cyber ransomware incidents and adverse litigation trends currently unfolding in the U.S.Experts in this episode:Cynthia Beveridge — Global Chief Broking Officer, Commercial Risk, AonMona Barnes — Global Chief Claims Officer, Commercial Risk, AonKey Takeaways:As organizations approach January renewals, they must adapt to a fragmented and rapidly evolving insurance market by reviewing and strengthening their risk programs.Despite generally favorable pricing, risk buyers face rising claims complexity and costs driven by natural catastrophes, inflation and adverse litigation trends.Success in today’s environment depends on close collaboration with claims advocates and leveraging insurer performance data to build resilient strategies for emerging risks.Key moments:(2:01) Insurers are generally growth-focused, competing aggressively and are looking to differentiate themselves through pricing, terms and risk improvement support.(4:17) Natural catastrophes, increasing ransomware severity, macroeconomic pressures and adverse litigation trends are shaping claims trends.(8:48) The growing availability of data and alternative sources of capital such as parametric, captives, catastrophe bonds, multiyear structured and facultative solutions are helping clients.Soundbites:Cynthia Beveridge“Capacity has increased across much of the market during 2025. It's flowing in from both traditional insurers and the reinsurance market, but notably it's fragmented. While most placements can achieve full tower limits, the towers are really compromised. It's comprised of more insurers and more segments.”Mona Barnes“Claims inflation is contributing to increasing costs of everyday items as companies are looking to recoup losses by raising prices on all items, including food, housing and medical care — as well as insurance.”Listen for more: The “On Aon” podcast is available on Spotify, Simplecast and Apple Podcasts (iTunes)More Like This:Q3 2025: Global Insurance Market OverviewAon’s Global Risk Management SurveyCyber and E&O: Pricing Holds, but Market Momentum is Shifting4 Strategies to Navigate Insurance Claims TrendsOptimizing Your Property Program: How to Use a Soft Market to Build Resilience

On Aon — Episode 95 Title: Turning Climate Risk into Strategic ResilienceIn the latest episode of On Aon, Liz Henderson, global head of climate risk advisory, and Tracy-Lee Kus, CEO of Aon's Global Broking Center, discuss the urgent topic of climate risk and resilience.As climate-related events grow more frequent and severe, they’re reshaping insurance costs, regulations and business operations. Liz and Tracy-Lee explore how Aon is responding with innovation to help clients navigate this increasingly complex risk environment.They also highlight why resilience in organizational strategy is no longer optional, but imperative for sustainable growth. Experts in this episode:Liz Henderson — Global Head of Climate Risk Advisory, AonTracy-Lee Kus — Chief Executive Officer, Global Broking Center, Aon Key Takeaways:Climate resilience is now a board-level priority and becoming increasingly important to business strategy and the insurance sector.Regional regulations are causing organizations to adapt their risk strategies.Aon has heavily invested in advanced analytics and climate modeling to empower clients with a complete and actionable view of their climate risk, supporting better decisions and long-term resilience strategies. Key moments: (03:10) With organizations facing increased climate risk, Aon is focusing on how it match risk to the right price and measure the impact and benefit of resilience for our clients. (05:10) California and the EU are leading the way when it comes to climate-related regulation and can provide an indication on what measures other countries and regions will be adopting in the coming years.. (07:50) Aon’s analyzers — like the Climate Risk Monitor —  help clients to quantify their exposures and anticipate what the climate-driven disruptions could be for their business. Soundbites:Liz Henderson:“The one thing that we always say around climate risk is that it's both a risk in and of itself as it drives weather volatility, but it is also a risk amplifier across an organization, whether that's through your workforce, health and wellbeing, supply chain, etc.” Tracy-Lee Kus:“Our strategies themselves are now focused on helping clients to use disclosure, not just for compliance, but as a catalyst for resilience, capital access, and stakeholder trust.” Listen for more: The “On Aon” podcast is available on Spotify, Simplecast and Apple Podcasts (iTunes) More Like This:Findings from Aon’s Global Risk Management SurveyClimate Change: Evolving Property Risk to ResilienceSteering Trade and Supply Chains Amid Weather Challenges  

October 21, 2025435 words…about a minute read What’s new:  In the latest episode of On Aon, Vice President of Global Benefits Kathryn Davis and Global Business Development Director of Global Benefits Celine Ng tong examine the findings from two important Aon reports: the 2025 Global Benefit Trends Study and the 2026 Global Medical Trend Rate Report. The Global Benefits Trends Study highlights how multinational organisations are reshaping their benefits strategies by focusing more on employee value, controlling costs and improving global oversight. We also spotlight the 2026 Global Medical Trend Rates Report, which details that even as global inflation cools in some markets, health care costs remain under significant pressure and have become a pervasive business challenge. Experts in this episode:Kathryn Davis — Vice President, Global Benefits, AonCéline Ng tong — Global Business Development Director, Global Benefits, Aon Key Takeaways: Multinational businesses are making employee benefits more meaningful and visible, with a strong emphasis on transparency and providing greater choice.Effective governance is a top priority, with businesses using data, engaging senior stakeholders and applying disciplined change management to implement benefit strategies.Technology, including AI, is increasingly used to personalize benefits and enhance employee experience, helping businesses deliver greater value.Medical benefit cost growth is slowing and may be plateauing globally, but aging workforces are expected to drive ongoing increases in both medical and retirement benefit expenses. Key Moments:(1:05) The results of the Global Benefits Trends Survey reveal where employers focusing when it comes to their benefit programs and how they can enhance their programs in the eyes of employees.(4:22) The Global Medical Trend Rate Report shows a decrease in the topline rate for a second consecutive year, to 9.8%, from 10% last year. But with costs having gone up so much in recent years, what aren’t employers looking at when they look at spend?(8:12) An aging population has ripple effects throughout a company’s health, wealth and talent strategies. Higher healthcare costs, combined with higher salaried employees mean higher costs overall. Soundbites:Céline Ng tong“Number one, a big strategic focus on how do we do more and how do we enhance the perception of our benefits programs in the eyes of our employees.” Kathryn Davis“We may have finally hit the peak in medical trend, or at least that we're starting to plateau on a global level. So maybe (it is) time that we stop hyper focusing on cost containment from just medical inflation.” Listen for more: The “On Aon” podcast is available on Spotify, Simplecast and Apple Podcasts (iTunes) More Like This:2025 Global Benefits Trends StudyThe Global Medical Trend Rates Report 20265 Data-Driven Ways HR Can Optimize CostsBuilding a Global Benefits Identity in an Era of Cost Containment

In this episode of On Aon, Joe Peiser, CEO of Commercial Risk, and Richard Waterer, Global Risk Consulting Leader, unpack the major findings from Aon’s 2025 Global Risk Management Survey — and what Risk Management leaders can do to remain resilient in the face of increasingly systemic and interconnected risks.They explore the critical role of analytics in understanding evolving threats and highlight three traits that distinguish highly resilient organizations: insight, agility and collaboration. Key Takeaways:Many of the top risks in Aon’s Global Risk Management Survey are broad and interconnected, impacting multiple areas of business.Cyber Risk remains the top concern globally. The rapid adoption of AI is intensifying risk complexity. Artificial Intelligence is itself a top 10 future risk.A persistent gap exists between risk awareness and action. Organizations, need better data and analytics to build accurate risk profiles.Resilient organizations are those that can quantify exposures, optimize capital allocation and embed risk strategy into decision making. Experts in this episode:(Host) Joe Peiser, CEO, Commercial Risk at AonRichard Waterer, Global Risk Consulting Leader at Aon Key moments: (1:12) The top 10 risks in our 2025 Global Risk Management Survey had some surprising and not-so-surprising results. Cyber Risk and Increasing Competition continue to rank highly, while Geopolitical Volatility made a significant jump. (4:14) The risks cited are systemic and interconnected. Their impact is widespread and can be felt across the company. (8:37) Highly resilient companies need three things to set themselves apart — insight, agility and collaboration. Additional Resources:Findings from Aon’s Global Risk Management Survey5 Ways to Position Risk Capital as a Value DriverAI and Workforce Skills: Who Should Act and Why Now?5 Top Trends for Risk Capital in 2025 Soundbites:Joe Peiser:“Business leaders can't simply manage more risk by intuition. They really need the tools and the insights from those tools to interpret today's landscape and make decisions that help them survive and thrive.” Richard Waterer:“We were surprised to see Attracting and Retaining Top Talent fall out of this year's top 10. When you consider the challenges being brought about by workforces today, for example, healthcare costs in North America, new legislation on pay transparency in EMEA, you can understand why talent is a complex and costly issue for leaders.

On Aon — Episode 92 Title: The Longevity Shift: Rethinking Aging in the Modern Workplace In the latest episode of Better Being, we examine longevity and how it is becoming an important topic for businesses.Susan Fanning, Aon’s Head of Wellbeing for Asia-Pacific, and Professor Andrea Maier from the National University of Singapore examine how, as people live longer healthier lives, businesses can foster a diverse and dynamic workplace by harnessing the expertise of older employees. Key Takeaways:The distinction between “healthspan” (the number of years of good health) and lifespan (how long someone lives) is crucial — as is working to reduce the gap between the two.There is a common misconception that aging equals decline. Prof Maier explains that, while most people experience some poor health, much of the aging process is within our control.Employers have a significant role in promoting longevity by adopting proactive approaches to employee health. This includes considering biological age when determining job roles. Experts in this episode:Susan Fanning — Head of Wellbeing Solutions, APAC, Aon (Host)Prof Andrea Maier — National University of Singapore Key moments: (2:15) Some of our lifestyle habits are so poor that they will have a detrimental effect on our health and lifespans. (8:00) Rather than insisting on an abrupt end to a working life, it’s better for employers and employees to have a gradual “step-down” process. (14:55) A switch in careers every 20 years or so will open people up to experiences of different topics, different workforces and different ways of working.  Additional Resources:3 Strategies to Improve Career Outcomes for Older EmployeesWorkplace Wellbeing | Aon Soundbites:Prof Andrea Maier:“So I would say it's not only a medical revolution, but it's societal revolution. And there was also a cultural revolution we are changing.” Susan Fanning:So, as we're seeing in terms of healthspans and lifespans increase, we're also starting to see that retirement systems as well as healthcare systems are coming under pressure.

On Aon — Episode 92 Title: From Risk to Resilience — What’s Driving the Re/insurance Market In the latest episode of On Aon, Emma Crookes and Dave Nicholson explore the latest trends in the insurance and reinsurance markets. The conversation covers key trends in Property and Casualty, including the evolving pricing environment, the impact of tariffs and inflation and the significance of natural catastrophe losses in 2025. Looking ahead, the episode emphasizes the market’s resilience and the importance of addressing emerging and uninsured risks. With disciplined management and robust capital, the industry is well-positioned to navigate future uncertainties and foster a healthy insurance and reinsurance landscape for global clients. Key Takeaways:Reinsurers are leveraging strong capital positions and disciplined management to offer clients effective protection against volatility and large losses. The industry is innovating to address emerging and uninsured risks, with substantial opportunities in areas like casualty, real estate and data centers. Transparent dialogue and differentiation are increasingly important for insurers and reinsurers as they navigate evolving market conditions and client needs. Experts in this episode:Emma Crookes — Insurance Industry Vertical Leader, Aon (Host)Dave Nicholson — Global Client Leader for Reinsurance, Aon Key moments: (2:15) Two big property insurance trends to look out for: the impact of inflation and tariffs and natural catastrophe losses (4:00) While there is pressure in the original property insurance market, it's a very healthy time and a great time to be a reinsurance buyer. (8:55) A recent Aon report highlighted a $5 billion opportunity in emerging casualty risks. This underscores the potential for growth and innovation within the insurance industry.  Additional Resources:Relevance Through the Market Cycle: 5 Strategic Imperatives for Insurers to Drive Performance Soundbites:Dave Nicholson:“I think the view of Aon is a healthy insurance and a healthy reinsurance market is good for our clients and good for the world because it creates resiliency.” Dave Nicholson:“Then we think with the future potential of increased loss costs, it's a great time to add a little bit more limit on the top of your program to ensure that in the event of a large natural catastrophe, that your capital is well protected.”  

Financial wellbeing is an increasingly important topic for both employers and employees. A survey of multinational companies by Aon found that 88 percent of employees surveyed experienced financial stress, which has a major impact on resilience, self-esteem and relationships. In this episode of Better Being, our experts — Paul Gordon, Aon’s chief commercial officer for global financial wellbeing, and Fleur Iannazzo, financial wellbeing coach and content creator at Aon — explore how understanding and reshaping financial behaviors can lead to lasting financial security. Key Takeaways:There is a notable disconnect between what employees expect and what employers currently provide in terms of financial education and support.Understanding individual financial behaviors is essential for designing effective financial wellbeing programs that resonate with both employees and organizational goals.Financial wellbeing issues vary by sector — some industries face talent loss due to financial mismanagement, while others see spikes in cyber fraud during economic downturns. Experts in this episode:Paul Gordon, Chief Commercial Officer for Global Financial Wellbeing, Aon (Host)Fleur Iannazzo, Financial Wellbeing Coach and Content Creator, Aon   Key moments:(3:24) Financial stress is felt across all salary levels and industries. (5:33) There’s a big mismatch between employee expectations of financial wellbeing support and what employers are providing. (13:00) Financial wellbeing is coming to the top of everyone’s agenda. Additional Resources:2025 Employee Sentiment Study Soundbites:Paul Gordon: "So just retaining your best people by helping them understand their attitudes to money and how they can do things differently helps that organization." Fleur Iannazzo: "When you feel secure financially and resilient financially, it really improves your relationships and your emotional connections to people because of that independence."  

In this episode of On Aon, our cyber experts explore the escalating scale and complexity of cyber threats, from AI-driven attacks to systemic third-party risks. Hosted by Nancy Eaves, product leader for Cyber Solutions, and featuring insights from Brent Rieth, global cyber leader, and David Molony, EMEA head of cyber solutions, the conversation explores the evolving regulatory landscape, the strategic use of cyber insurance and the critical role of executive engagement in managing cyber risk.  Key Takeaways:Threat actors are using AI to scale attacks like phishing and ransomware, while organizations are deploying AI to improve detection, response and risk quantification. Cybersecurity has become a board-level priority, with executives embedding it into enterprise risk management due to its material impact. Global regulatory developments are encouraging greater transparency in cyber incident reporting, reducing reputational stigma and enhancing collective defense. Despite rising claims, cyber insurance pricing has declined thanks to market maturity, improved risk modeling and diversified underwriting strategies.Experts in this episode:Nancy Eaves — Product Leader, Cyber Solutions, Aon (Host)Brent Rieth — Global Cyber Leader, Cyber Solutions, AonDavid Molony — Head of Cyber Solutions EMEA, Aon  Key moments:(0:55) The increase in frequency of reported cyber incidents, including AI-driven threats, ransomware and cloud and identity-based intrusions. (3:50) The reputational impact of cyber incidents on organizations. (13:30) The factors contributing to the buyer-friendly market for cyber insurance Additional Resources:2025 Global Cyber Risk Report Soundbites:David Molony: “Ultimately, we are seeing threat actors leveraging generative AI to create highly personalized phishing campaigns and deepfake content, making social engineering more effective.” Brent Rieth: “I'd add it's important to continue to drive a holistic approach to navigating cyber risk. It's incredibly complex. It can't be managed in isolation by any individual stakeholder.”  

The key to ensure employees grow — and stay — at an organization is creating a supportive environment where everyone can flourish. In this episode of Better Being, host Susan Fanning, Aon's Head of Wellbeing Solutions in Asia Pacific, talks to executive coach Tini Fadzillah, contributing author of The Purple Book of Coaching, about how leaders can develop both their task and relational skills to effectively support their teams. Key TakeawaysFostering a team environment that supports everyone contributes to resilience and wellbeing.Feedback from employees through surveys and data collection is vital to identify areas that need attention and foster a supportive environment.Strong social connections are linked to greater fulfillment and performance.Inter-functional collaboration  builds trust and psychological safety. Experts in this episode:Susan Fanning — Head of Wellbeing Solutions, APAC, AonTini Fadzillah —  Executive Coach and Trainer Key moments:[09:33] Why organizations should be more like a village and develop a communal approach.[12:41] Leaders who model wellbeing behaviors contribute to a more engaged and productive workforce.[15:21] The importance of trust within teams. Additional Resources2025 Employee Sentiment StudyAon Asia Mental Health Index Report Soundbites:Tini Fadzillah: "Can I trust you to reveal what's really going on in my heart and my head? Yeah. And trust meaning that you're not going to use it against me." Tini Fadzillah: "We're better with a few brains working together versus one brain trying to figure everything out."

“On Aon” - Episode 90: Title: Navigating the Future of Total RewardsThe right Total Rewards strategy is crucial for an organization to reward, recruit and retain talent. In this episode of On Aon, we examine how people leaders are playing a vital role in bridging the gap between employee needs and organizational goals. Our hosts, Heidi Burnett and Stephanie DeLorm, discuss a multi-dimensional approach to decision-making and how AI, while promising greater efficiency, also highlights the importance of human connection and purpose.Key takeaways:The role of Total Rewards leaders has transformed from managing programs to strategically shaping organizational culture, talent strategy and reputation.By optimizing AI, organizations can reclaim time to lead and connect with purpose.Employers need to make deliberate investment decisions that align with what truly matters to employees. Experts in this episode: Heidi Burnett — People Solutions and Impact Leader, Aon People Organization (HR)Stephanie DeLorm — Global Total Rewards Commercial Leader, Aon Key Moments:[2:55] How the concept of Total Rewards has changed over the years. [5:53] For every dollar that you're spending on Total Rewards, are you aligning it to what matters most to your people — and your organization? [9:50] The four key value drivers of Total Rewards: competitive value, employee value, financial value and strategic value. [17:30] The shape of Total Rewards in five years’ time.Additional Resources:2025 Employee Sentiment Study Soundbites: “The way we look at it, when it's done right, a really well-structured Total Rewards program really drives both for the employer and the employee value so that your workforce is engaged, productive, aligned with your business objectives, and your people are feeling that sort of compelled belief and motivation to show up at work every day.” — Heidi Burnett“Overall, Total Rewards five years from now will be even more dynamic, more data-driven, more personalized, purpose-led, and tightly aligned to both employee expectations and business priorities.”— Stephanie DeLorm

As the construction industry navigates emerging risks and evolving opportunities, this episode explores how these dynamics are reshaping insurance and surety strategies worldwide. Hosts Tariq Taherbhai and James MacNeal unpack the latest insights from Aon’s 2025 Global Construction Insurance and Surety Market Report, offering expert perspectives on market trends, regional dynamics and strategic recommendations for navigating today’s complex risk environment.Key takeaways:North America remains the strongest surety market, driven by public infrastructure and inflation-driven growth.High-tech manufacturing projects, such as data centers, are a major global growth driver for construction insurance and surety markets.APAC markets, especially India and China, are rapidly maturing, with increased use of commercial and construction guarantees.Construction companies are advised to start early in the insurance placement process and carefully evaluate contract structures to avoid coverage gaps and delays. Experts in this episode: Tariq Taherbhai — Chief Commercial Officer, Construction and Infrastructure, AonJames MacNeal — Global Industry Specialty Leader, Construction and Infrastructure, Aon Key Moments:[1:38] Three key trends driving insurance and surety markets for the construction industry[2:58] What’s driving construction trends around the world?[5:17] Technological innovation is at the forefront of everything.   [7:58] How the market is shaping up for construction liability.[10:09] The global surety market is projected to grow at about 5 percent annually for the next few years Additional Resources:2025 Global Construction Insurance and Surety Market Report Soundbites: “There seems to be an insatiable build going on in infrastructure, energy, high-tech manufacturing projects – for example, data centers that are just expanding rapidly globally.” — James MacNeal“Start early. Begin any insurance placement process as early as possible, especially if you have a complex, high-risk project. Underwriting timelines are lengthening due to increased scrutiny and demand.”— James MacNeal

How is the Life Sciences industry evolving? Aon’s Meaghan Piscitelli and Tanaz Moazami discuss the future of the industry, focusing on the transformative impact of AI and human capital management. They highlight the challenges of talent acquisition and retention and emphasize the importance of digital skills for the future life sciences workforce.Key Takeaways: Life sciences companies face increased competition for talent, particularly in digital roles.AI is transforming the sector through medical breakthroughs, improved patient care and operational efficiencies.This transformation also presents risks related to data privacy, cyber security and potential misuse of new technologies.HR is a critical strategic partner in helping life sciences leaders properly recruit and retain talent, navigate the changes brought by AI and maintain a competitive edge.Experts in this episode: Meaghan Piscitelli, Partner, Global Life Sciences Leader at AonTanaz Moazami, Human Capital Rewards Solutions Partner, Life Sciences Data at Aon North America Additional Resources:2025 Life Sciences Outlook: Building Preparedness to Mitigate Risks and Capture Human Capital Opportunities Soundbites from Guest Tanaz Moazami: It's a challenging time in the talent space, and you need to ensure that employee value proposition is articulated. When it comes to your AI strategy, are you building it or are you buying it? What kind of talent are you bringing in? And when you're bringing in the talent, are you looking at your cyber security? Are you looking at your data privacy? What kind of measurements are you putting in place? AI is already transforming the sector. So from medical breakthrough and patient care to the analytical efficiencies that can be realized through automation. But automation and process improvement has always been part of life sciences. I don't think that is new. But artificial intelligence is more about creating the efficiencies that comes with getting the product faster to the market.HR leaders should look at the impact of artificial intelligence in their own department. Research suggests that 24 % of roles are at risk of significant disruption due to artificial intelligence integration. When we look at the industry currently, it lags behind others when it comes to communicating and publishing salary ranges. So to gain a little bit of a ground, organizations should probably start offering training to their management, which probably will lead to more effective conversation about pay and also educating the employees about pay decisions and also career development.