Sports injuries

According to the National Safety Council (NSC), in 2024 exercise and exercise equipment accounted for an estimated 564,845 injuries, the most in any sports and recreation category.

According to the Centers for Disease Control’s Teen Driver Fact Sheet, motor vehicle crashes are the leading cause of death among teens. National Highway Traffic Safety Administration (NHTSA)’s Young Drivers Traffic Safety Facts data shows that 2,148 drivers aged 15 to 20 died in traffic crashes in 2023, a decrease an increase of 5 percent from 2,037 in 2022.

• According to the National Association of Insurance Commissioners: 
  • The average premiums for renters insurance in 2022 was $171.
  • Renters in Mississippi, Louisiana, and Alabama had the highest renters insurance premiums.
  • Renters in North Dakota, South Dakota, and Minnesota had the lowest premiums.
• According to data from the US Department of Commerce, the US Census Bureau, and American Community Survey:

Life insurance ownership

Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. Twenty states and the District of Columbia have mandatory requirements for uninsured or underinsured motorist coverage. More than half of the states have passed laws and begun to develop and implement online auto insurance verification systems to identify uninsured motorists.

Pet insurance

According to the North American Pet Health Insurance Association, (NAPHIA), pet insurance has existed outside the U.S. since the early 1900’s. Lassie, the famous TV collie, received the first pet insurance policy issued in the U.S. in 1982.

NOAA’s National Weather Service Storm Prediction Center Annual Severe Weather Report Summary reported 5,373 hail events in 2024 compared to 6,962 in 2023. Texas and Kansas had the largest number of hail events according to NOAA in 2024.

According to the National Weather Center and National Lightning Safety Council there were 12 direct lightning fatalities in 2024, compared to 14 in 2023. On average, based on data from 2015 to 2024, 20 people die each year from lightning strikes in the United States.

Life insurance distribution channels

Life insurance was once sold primarily by career life agents, also known as captive agents, representing a single insurance company, and by independent agents, representing several insurers. Now, life insurance is sold directly to the public by mail, telephone, and the Internet. Independent insurance agents have the largest share of the market, followed by affiliated agents.