Stephen Martin

The financial services industry (FSI) is using AI to transform how financial institutions serve their customers. AI solutions can help proactively manage portfolios, automatically refinance mortgages when rates decrease, and negotiate insurance premiums for customers. However, this adoption brings new governance, risk, and compliance (GRC) considerations that organizations need to address.

In this post, I'll go through some of my best guesses for the current situation in AI as of the start of April 2026. You can think of this as a scenario forecast, but for the present (which is already uncertain!) rather than the future. I will generally state my best guess without argumentation and without explaining my level of confidence: some of these claims are highly speculative while others are better grounded, certainly some will be wrong.

Term insurance is one of the most talked about financial products in India. Yet it is also one of the most misunderstood. This article clears up the most common misconceptions. It also shows how a term life insurance calculator helps cut through the confusion with actual numbers. What Is Term Insurance? If you are thinking, “what is term insurance,” here is the simple explanation: Term insurance is a type of life insurance. It covers a person for a fixed period of time called the term.