Consumer Scam Alert: The FTC is warning about fake “law firm” letters claiming you’re an heir to unclaimed life insurance money—these messages are scams designed to steal personal and financial details. Health Coverage Expansion: Gujarat’s ESIC network is adding six healthcare institutions for tertiary and super-speciality treatment for insured workers and dependents, with costs covered under ESIC rules. Climate & Business Insurance Gap: Europe’s fifth heatwave is hitting hospitality and other firms, while heat-related losses often fall outside traditional business interruption coverage; insurers are increasingly looking at parametric options. Wildfire Insurance Crunch: California commercial wildfire coverage is tightening, with more non-renewals and higher deductibles pushing businesses toward mitigation and alternative risk financing. Long-Term Care Costs: A new report highlights how long-term care spending keeps rising, leaving families exposed even when they planned for insurance. Claims & Legal Pressure Points: Texas attorneys describe insurers’ “first 72 hours” strategy after crashes, and a Delhi tribunal awarded ₹2.92 crore to a severely disabled victim, rejecting insurer arguments tied to helmet use. Market & Company Updates: Gulf Insurance Group reported H1 2026 net profit of KD23.8m, while Nigeria’s recapitalisation push is framed as boosting capacity and confidence.