Pam Davou

Life insurance companies are rapidly modernizing policy structures, shifting toward simpler, more transparent products that are easier for consumers to understand and compare.
Digital-first life insurance platforms are expanding strongly in both the USA and Canada, enabling instant quotes, faster underwriting, and fully online policy issuance.
Insurers are redesigning traditional products to include more flexible premium payment options and customizable coverage to match changing household financial needs.
The industry is increasingly focusing on improving customer retention through digital servicing tools, automated policy management, and AI-supported claims processing.

Life Insurance: Policy Modernization & Digital Growth 2026

US consumers may find lower prescription prices by comparing discount apps, cash prices, insurance copays, pharmacies, and assistance options before each refill.
Insurance is not always the cheapest route; asking the pharmacy to compare insurance, cash, and discount-card prices can reveal savings before payment.
Prices can differ widely for the same medication, even between pharmacies; one example shows $10 at one location versus $50 at another nearby pharmacy.
If a brand-name drug is prescribed, patients can ask about generic alternatives, which use the same active ingredients and often cost less.
Stacking generics, price comparisons, and assistance programs can often cut prescription costs by hundreds of dollars per yr for patients managing ongoing medication expenses.